Many tech professionals come to the United States to study, to work or to settle. In most cases, their parents took good care of them, including providing them with an education, and catering to all of their needs as children and young adults. Now, these professionals want to return the favor and have their parents visit them in the United States, spend time with them, and tour the country.
For that reason, they want to know the best travel insurance for parents visiting the USA, also known as USA visitors insurance, or health insurance for foreign visitors.
The same visitors insurance in the USA for parents won't work for every visitor. Everyone is different, including their age, the duration of their trip, the desired policy maximum and deductible, the type of insurance wanted, available budget, comfort levels and so on. The best visitors insurance for parents will depend on all of these factors.
There are primarily two types of travel insurance for the United States:
- Fixed-coverage plans provide limited coverage and are less expensive.
- Comprehensive-coverage plans provide better coverage but cost more.
As fixed-coverage plans are very insufficient for the extremely high medical expenses in the United States, these policies are not recommended and will not be discussed here.
While travel insurance for parents visiting the United States is available both from the United States and India, it is always preferable to purchase from a U.S.-based company when considering visitors insurance for parents from India to the USA.
How to Choose the Best Health Insurance for Visiting Parents
When choosing insurance for parents visiting the USA, it’s important to compare various plans to see their differences, and choose the best comprehensive coverage plan to fit your needs.
You need to keep in mind the length of your parents’ stay in the US and whether or not they may extend their stay, as not all plans are extendable.
You also need to consider your budget, and how much you can afford to pay out of your own pocket for medical treatment. Make sure to choose a plan with a high enough deductible and low enough copay for your finances.
Finally, you must keep pre-existing medical conditions in mind, and choose a plan that can cover them if applicable.
Benefits of Insurance for Visiting Parents
The best medical insurance for parents visiting the USA is a comprehensive coverage plan with PPO network participation so you can get lower rates and direct billing, as well as coverage for the acute onset of any preexisting conditions your parent may have.
Since it’s impossible to predict if a visiting parent may get sick or hurt while in the US, visitors insurance for parents is extremely valuable. Just listen to what some of our customers have to say:
- Most websites just sell insurance policies, with Insubuy they've got your back!! I can't recommend them enough. – IB (Trustpilot)
- There are hundreds of brokers and insurance companies out there and you have a choice of where you buy from. However, the deciding factor should not be just price alone. It should be who comes to your help when there is a problem with a legitimate claim. I have had 2 positive experiences with Insubuy so far, and I would always recommend them to my friends and family without hesitation. – Hari D (Trustpilot)
- This is a very reliable company from which to acquire travel and US insurance. I have used them regularly and I never go anywhere else. When I have submitted claims through the insurance I purchase with them I have little trouble getting reimbursed. – Jay B. (Trustpilot).
How to get Insurance for parents visiting the USA?
Buying travel insurance for parents visiting the USA is easy with Insubuy. Just look at the plan recommendations below, fill out a quote form, and purchase online in minutes. There is no doctor’s exam necessary, and coverage can begin as soon as the next day.
What is the best insurance for Indian parents visiting the USA?
If you’re looking for health insurance for Indian parents visiting the USA, there are many choices available suit different budgets and trip lengths. We’ve listed numerous USA visitor insurance plans below that we recommend, but please do not hesitate to contact us if you have any questions.
The best and most popular travel insurance plans for parents visiting the United States:
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Atlas America
- After you pay the deductible, it pays 100 percent up to the policy maximum.
- $15 copay for U.S. Urgent Care/Walk-in Clinic. The deductible is waived. This copay is also waived in case of a $0 deductible.
- Participates in either the United Healthcare PPO Network, both networks have numerous participating providers all across the United States.
- Covers acute onset of pre-existing conditions up to the policy maximum for people below the age of 80 years. Various policy-maximum choices up to $2 million are available.
- Vantage America RX discount card.
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Beacon America
- After you pay the deductible, it pays 100 percent up to the policy maximum in the PPO network.
- US-Urgent Care: Deductible waived, $35 copay. Co-insurance still applies.
- Participates in the United Healthcare PPO, which has numerous participating providers all across the United States.
- Covers acute onset of pre-existing conditions for people under 70 years of age up to $150,000 if the policy maximum chosen is $550,000 or $1,100,000 and up to $50,000 if the policy maximum chosen is $60,000, $75,000, $110,000 or $200,000.
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Patriot America Plus
- After you pay the deductible, it pays 100 percent up to the policy maximum in the PPO network.
- US-Urgent Care: Deductible waived, $25 copay; unless $0 deductible. US-Walk-in Clinic: Deductible waived, $15 copay; unless $0 deductible. Co-insurance still applies. Otherwise to policy maximum.
- Participates in the United Healthcare PPO Network, which has numerous participating providers all across the United States.
- Covers acute onset of pre-existing conditions up to the policy maximum for people below the age of 70 years. Various policy-maximum choices up to $1,000,000 are available.
- Universal RX discount card.
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Safe Travels USA Comprehensive
- US-Urgent Care: Deductible waived, $30 copay; unless $0 deductible. Otherwise to policy maximum.
- After you pay the deductible, it pays 100 percent up to the policy maximum.
- Participates in the First Health PPO Network, which has an extensive network of providers all across the United States.
- Covers acute onset of pre-existing conditions for people below the age of 70 years.
- US-Urgent Care: Deductible waived, $30 copay; unless $0 deductible. Otherwise to policy maximum.
All of the above plans are extendable and refundable. They all can be purchased online on this website instantly. You will receive the ID card and other policy documents immediately in your email.
In addition to the plans listed above, we have many other visitors insurance plans available. You can get instant quotes from multiple products, compare them side by side and make an immediate purchase online of the best visitors insurance in the USA.
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