When planning a visit to the United States, you need to ensure your parents have proper medical coverage.
Many standard health insurance plans don’t provide adequate coverage for international travel.
This leaves visitors vulnerable to high medical costs in case of emergencies or unexpected illnesses.
Travel medical insurance designed specifically for visitors to the USA can offer comprehensive coverage and peace of mind during your parents’ stay. These specialized plans cater to the unique needs of international travelers.
They often include benefits like emergency medical care, prescription drug coverage, and even options for pre-existing conditions.
Choosing the right plan requires careful consideration of factors such as coverage limits, deductibles, and specific benefits that align with your parents’ health needs and travel plans.
1) IMG Global
IMG Global offers comprehensive visitor insurance plans for parents coming to the USA.
Their policies provide coverage for new medical expenses and emergency situations.
IMG’s visitor insurance includes access to multilingual customer service experts.
This can be invaluable when navigating healthcare in a foreign country.
You’ll have 24/7 support from healthcare coordinators who can assist with finding appropriate medical care.
This feature helps ensure you receive timely treatment if needed during your stay.
IMG’s visitor insurance plans are designed to make international travel less stressful.
They offer various options to suit different needs and budgets.
When choosing a plan, you can select coverage for specific durations.
This flexibility allows you to pay only for the protection you need during your parents’ visit.
IMG Global’s policies typically cover new illnesses and injuries.
Pre-existing conditions may have limited coverage or be excluded, so review the policy details carefully.
Some IMG plans offer additional benefits like coverage for acute onset of pre-existing conditions.
This can provide extra peace of mind for older travelers.
Remember to compare IMG’s offerings with other providers to find the best fit for your parents’ needs and budget.
Consider factors like coverage limits, deductibles, and any specific health concerns your parents may have.
2) Patriot America Plus
Patriot America Plus is a popular travel medical insurance option for parents visiting the USA.
This plan offers comprehensive coverage for non-U.S. citizens traveling to the United States.
You can choose coverage amounts up to $1 million, providing ample protection for unexpected medical expenses during your stay.
The plan covers a wide range of medical treatments, including those related to COVID-19.
One notable feature of Patriot America Plus is its coverage for acute onset of pre-existing conditions for travelers under 70 years old.
This can be particularly beneficial for older parents with existing health issues.
The plan is flexible, allowing you to select coverage durations from 5 days up to 12 months.
If needed, you have the option to extend your coverage for up to 36 months, accommodating longer stays.
Patriot America Plus also includes additional benefits such as emergency medical evacuation, which can be crucial in severe medical situations.
You’ll also receive coverage for repatriation of remains, providing peace of mind for worst-case scenarios.
When considering this plan, keep in mind that it’s designed specifically for visitors to the USA.
This focus means the coverage is tailored to the unique healthcare landscape of the United States, potentially making it easier to navigate medical services during your visit.
3) Atlas America
Atlas America offers travel medical insurance for non-U.S. citizens visiting the United States.
This plan is part of the Atlas Series travel medical insurance, underwritten by Lloyd’s with an “Excellent” A.M. Best rating.
You can purchase Atlas America insurance for trips lasting between 5 and 364 days.
This flexibility makes it suitable for both short visits and extended stays.
The plan provides coverage for various medical expenses, including hospital room and board, local ambulance, and emergency medical evacuation.
It also includes coverage for acute onset of pre-existing conditions.
Atlas America offers different coverage levels, allowing you to choose the one that best fits your needs and budget.
You can select from maximum limits ranging from $50,000 to $2,000,000.
One notable feature is the inclusion of coverage for relatives visiting the USA.
This makes it an excellent option if you’re looking for insurance for your parents or other family members coming to visit.
The plan also includes some travel benefits, such as trip interruption coverage and lost checked luggage coverage.
These additional features can provide extra peace of mind during your stay in the United States.
You can easily purchase Atlas America insurance online through their website.
The process is straightforward, allowing you to get coverage quickly before your trip to the USA.
4) Liaison Travel Plus
Liaison Travel Plus offers comprehensive coverage for parents visiting the USA.
This plan provides medical insurance for visitors with flexible options to suit various needs.
You can choose coverage limits ranging from $50,000 to $1,000,000.
This allows you to select the level of protection that best fits your parents’ requirements and budget.
The plan includes coverage for new medical conditions, accidents, and emergency medical evacuations.
It also offers limited coverage for acute onset of pre-existing conditions, providing peace of mind for older travelers.
Liaison Travel Plus features a network of healthcare providers across the United States.
This ensures your parents can access quality medical care during their visit without worrying about excessive out-of-pocket expenses.
You’ll appreciate the 24/7 travel assistance services included with this plan.
These services can help with medical referrals, emergency travel arrangements, and lost luggage assistance.
The plan also offers optional coverage for trip interruption and lost baggage.
This additional protection can be valuable for parents planning extended stays or bringing valuable items.
Liaison Travel Plus provides coverage for COVID-19 related illnesses, treating them like any other covered illness.
This feature is particularly relevant in today’s travel landscape.
5) Safe Travels USA
Safe Travels USA is a comprehensive travel insurance option for parents visiting the United States.
This plan offers flexible coverage that can be tailored to your specific needs.
Safe Travels USA provides medical coverage up to $2,000,000, ensuring your parents have substantial protection during their stay.
The plan includes coverage for both new and acute onset of pre-existing conditions.
You can choose from various deductible options, allowing you to balance premium costs with out-of-pocket expenses.
The plan also offers coverage for emergency medical evacuation and repatriation.
Safe Travels USA includes benefits like trip interruption coverage and lost baggage protection.
These features can provide peace of mind for your parents during their visit.
The plan offers coverage for COVID-19 related medical expenses, which is particularly important in today’s travel environment.
This ensures your parents are protected against unexpected health issues related to the pandemic.
You can easily purchase Safe Travels USA online, and the application process is straightforward.
The plan provides 24/7 travel assistance services, ensuring your parents can get help whenever they need it.
6) Visitors Care
Visitors Care offers comprehensive medical insurance for parents visiting the USA.
This plan provides coverage for unexpected illnesses and injuries that may occur during their stay.
You can choose from various coverage options ranging from $50,000 to $150,000.
The plan also includes access to a wide network of healthcare providers across the country.
Visitors Care covers both inpatient and outpatient services.
This includes hospital room and board, surgery, emergency room visits, and prescription medications.
One notable feature is the coverage for acute onset of pre-existing conditions.
This can be particularly beneficial for older parents with existing health issues.
The plan offers flexible deductible options, allowing you to balance premium costs with out-of-pocket expenses.
You can select deductibles ranging from $0 to $5,000.
Visitors Care provides 24/7 customer support to assist with claims and medical emergencies.
This can be reassuring when navigating an unfamiliar healthcare system.
The policy duration is flexible, accommodating short trips and extended stays alike.
You can purchase coverage for as little as 5 days or up to a full year.
7) ChoiceAmerica
ChoiceAmerica is a low-cost travel medical insurance plan designed for non-US citizens and non-US residents visiting the United States.
This plan offers fixed, pre-defined limits for each medical service, making it easier for you to understand your coverage.
When you choose ChoiceAmerica, you’ll have access to the First Health PPO network.
This means you can visit a wide range of doctors and hospitals within the network.
However, you’re not restricted to in-network providers and can visit any doctor or hospital of your choice.
The plan includes coverage for urgent care visits with a $15 copay.
This feature can be particularly beneficial if you need quick medical attention for non-emergency situations during your stay in the USA.
ChoiceAmerica also provides coverage for flu shots, which can be important for protecting your health while traveling.
This benefit is especially useful if you’re visiting during flu season.
For parents under 69 years old, the plan offers coverage for acute onset of pre-existing conditions up to the policy maximum.
If you’re between 70 and 79 years old, you’ll still have coverage, but it’s limited to $30,000.
One of the advantages of ChoiceAmerica is its out-of-pocket maximum of $1,000.
This cap helps protect you from excessive medical costs during your visit to the USA.
8) Patriot Platinum America
Patriot Platinum America offers comprehensive travel medical insurance for visitors to the USA.
This plan provides coverage for unexpected medical expenses during your parents’ stay in the United States.
The policy includes benefits for acute onset of pre-existing conditions, which can be crucial for older travelers.
You can choose coverage limits ranging from $50,000 to $8,000,000, allowing you to tailor the plan to your parents’ specific needs.
Patriot Platinum America also offers coverage for emergency medical evacuation and repatriation of remains.
These features provide peace of mind in case of serious medical emergencies during your parents’ visit.
The plan includes additional benefits such as trip interruption coverage, lost luggage protection, and accidental death and dismemberment insurance.
You can customize the policy by selecting different deductible options to balance coverage and cost.
When you purchase Patriot Platinum America, you’ll have access to a global network of healthcare providers.
This ensures your parents can receive quality medical care wherever they are in the USA.
Remember to carefully review the policy details and exclusions before making a decision.
Compare this option with other travel insurance plans for parents visiting the USA to find the best fit for your family’s needs and budget.
9) Safe Travels USA Comprehensive
Safe Travels USA Comprehensive is a robust insurance plan designed for visitors to the United States.
This policy offers extensive coverage for medical accidents, illnesses, and other travel-related issues.
You can feel secure knowing that this plan includes coverage for medical evacuation and repatriation.
These benefits can be crucial if you need to be transported to a medical facility or back to your home country due to a medical emergency.
The plan also covers trip interruption, baggage loss, and accidental death and dismemberment (AD&D).
These additional protections give you peace of mind during your stay in the USA.
Safe Travels USA Comprehensive is available to non-US citizens or residents up to 90 years of age.
This makes it an excellent choice for older parents visiting their children in the United States.
One notable feature of this plan is its Covid-19 coverage.
As the pandemic continues to be a concern, having this protection can be invaluable.
You have the option to add riders to your policy for enhanced coverage.
These add-ons allow you to tailor the plan to your specific needs and concerns.
When considering Safe Travels USA Comprehensive, review the policy details carefully.
Ensure that the coverage limits and benefits align with your requirements for your visit to the United States.
10) VisitorSecure
VisitorSecure offers travel insurance for parents and relatives visiting the USA.
This plan provides coverage for trips lasting between 5 and 364 days.
VisitorSecure’s rates vary based on age groups.
For travelers aged 70 to 79, the daily rate ranges from $2.76 to $3.75, depending on the coverage level you choose.
If you’re bringing a dependent child aged 14 days to 17 years, you can add them to your plan.
The child rate applies when at least one parent is also covered by VisitorSecure.
For visitors aged 80 and over, VisitorSecure offers a maximum limit of $10,000.
The daily rate for this age group starts at $5.96.
You’ll find different coverage options with VisitorSecure.
These may include protection for acute onset of pre-existing conditions, which can be crucial for older travelers.
When considering VisitorSecure, compare its features with other plans.
Look at factors like coverage limits, deductibles, and specific benefits that matter most to your parents’ needs during their visit to the USA.
Remember to review the policy details carefully before purchasing.
This ensures you understand exactly what’s covered and any limitations that may apply to your parents’ travel insurance.
Understanding Medical Insurance for Visitors
Medical insurance for visitors to the USA is crucial for protecting your parents’ health and finances during their stay.
It provides essential coverage for unexpected medical expenses and emergencies.
Why Medical Insurance Is Important for Parents
Your parents need medical insurance when visiting the USA to safeguard against high healthcare costs.
Without insurance, a simple doctor’s visit can cost hundreds of dollars, while more serious medical issues can lead to bills in the thousands or even millions.
Insurance provides peace of mind and financial protection.
It ensures your parents can access necessary medical care without worrying about exorbitant costs.
Many U.S. healthcare providers require proof of insurance or upfront payment before treatment.
Having a comprehensive insurance plan allows your parents to receive prompt care when needed.
Types of Visitor Insurance Plans
Two main types of insurance plans are available for visitors:
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Comprehensive Coverage Plans: These offer extensive protection, including both medical and travel-related benefits.
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Limited Coverage Plans: These focus primarily on medical emergencies and typically have lower premiums.
Comprehensive plans often include coverage for trip interruption, lost baggage, and other travel-related issues.
Limited plans may be more suitable if your parents only need basic medical coverage.
Some plans offer coverage for pre-existing conditions, which can be crucial for older visitors with ongoing health issues.
Common Coverage Options
Visitor insurance plans typically offer a range of coverage options:
- Emergency medical treatment
- Hospitalization
- Prescription medications
- Urgent care visits
- Ambulance services
- Medical evacuation
Many plans also include coverage for COVID-19 related expenses, which is essential in today’s travel environment.
Coverage limits can vary widely, from $50,000 to $1 million or more.
Higher limits generally mean higher premiums but provide better protection against costly medical procedures.
Deductibles and co-pays are common features.
Lower deductibles result in higher premiums but less out-of-pocket expenses if medical care is needed.
Factors to Consider When Choosing a Plan
Selecting the right medical insurance for your parents’ visit to the USA requires careful evaluation of several key elements.
These factors will significantly impact the coverage quality and overall cost-effectiveness of the plan.
Coverage Limits and Deductibles
Insurance costs for parents visiting the USA can vary widely.
Pay close attention to coverage limits and deductibles when comparing plans.
Coverage limits determine the maximum amount the insurance will pay for medical expenses.
Higher limits offer better protection but often come with higher premiums.
Deductibles are the amount you must pay out-of-pocket before insurance coverage kicks in.
Lower deductibles mean you’ll pay less in case of a medical event, but they typically result in higher premium costs.
Consider your parents’ health status and risk tolerance when choosing these options.
A plan with a higher coverage limit and lower deductible might be worth the extra cost for older parents or those with health concerns.
Network of Hospitals and Doctors
The insurance plan’s network is crucial for ensuring your parents can access quality healthcare during their visit.
A robust network provides more options and potentially lower out-of-pocket costs.
Check if the plan offers access to reputable hospitals and doctors in the areas your parents will be visiting.
Some plans may have limited networks, which could restrict your parents’ choices or result in higher costs for out-of-network care.
Look for plans that offer:
- A wide range of in-network providers
- Coverage for emergency care at any hospital
- Telemedicine options for minor health issues
Using in-network providers usually results in lower costs and smoother claims processes.
Pre-Existing Conditions Coverage
If your parents have pre-existing health conditions, this factor becomes especially important.
Many standard travel insurance plans exclude coverage for pre-existing conditions, which could leave your parents vulnerable to high medical costs.
Look for plans that offer:
- A pre-existing condition waiver
- Coverage for acute onset of pre-existing conditions
- Clear definitions of what qualifies as a pre-existing condition
Some plans may offer limited coverage for pre-existing conditions after a waiting period.
Others might provide coverage if the condition has been stable for a certain period before the trip.
Be sure to read the policy details carefully and disclose all relevant health information when applying.
Failure to do so could result in denied claims later.
How to Purchase Medical Insurance
Selecting and purchasing medical insurance for visiting parents requires careful consideration of providers, plan comparisons, and enrollment procedures.
Follow these key steps to secure appropriate coverage for your parents’ stay in the USA.
Reputable Providers and Brokers
WorldTrips and IMG are highly regarded insurance companies for visitors to the U.S. These providers offer comprehensive coverage tailored to international travelers.
You can also explore options through reputable brokers like VisitorsCoverage, which can help you compare multiple plans.
When choosing a provider, consider factors such as:
- Financial stability ratings
- Customer service reputation
- Claims processing efficiency
- Coverage options for pre-existing conditions
Look for providers that specialize in travel medical insurance for international visitors.
This expertise ensures they understand the unique needs of your visiting parents.
Steps to Compare Different Plans
Begin by assessing your parents’ specific health needs and travel duration. Travel insurance for parents visiting the USA typically costs between $200 and $400.
Key factors to compare include:
- Coverage limits
- Deductibles and copays
- Network of healthcare providers
- Prescription drug coverage
- Emergency medical evacuation
Create a spreadsheet to compare plans side-by-side.
Pay close attention to coverage for pre-existing conditions, especially for older parents.
Some plans offer limited coverage for acute onset of pre-existing conditions.
Policy Purchase and Enrolment Process
Once you’ve selected a suitable plan, purchasing it is usually straightforward.
Most providers offer online enrollment.
You’ll need to provide:
- Personal information for each parent
- Travel dates
- Desired coverage amount
- Payment details
After you submit the application, the provider will send you policy documents via email.
Review these carefully to understand the coverage details, exclusions, and claim procedures.
Some providers offer a free look period, allowing you to cancel within a specified timeframe if you’re not satisfied.
Keep policy numbers and emergency contact information easily accessible during your parents’ visit.
