Best Medical Insurance for Parents Visiting the US from India 

The cost of healthcare in the US is generally high compared to many other countries. Without insurance, medical expenses can be significant, including doctor visits, hospitalization, emergency care, prescription medications, and specialized treatments. Insurance provides financial protection by covering a portion of these costs, reducing the burden on parents. 

Accidents and medical emergencies can happen unexpectedly, and being uninsured can lead to financial strain. Insurance ensures that parents have access to prompt and necessary medical care in case of emergencies, giving them peace of mind during their stay in the US. 

When selecting medical insurance for your parents, it is essential to consider coverage options that meet their specific needs and provide comprehensive protection during their stay. While individual preferences and requirements may vary, here are some popular insurance options to consider. 

The comprehensive plans: 

1. Safe Travel USA Comprehensive 

Safe Travel USA Comprehensive is a comprehensive health insurance plan for non-US citizens coming to the US. It covers in-patient and out-patient medical accidents & illnesses up to $1 million. It also covers 1 acute episode per pre-existing condition covered up to policy medical max for non-cardiac ($25,000 limit for cardiac) conditions for 69y & under; covered up to $35,000 for non-cardiac ($15,000 limit for cardiac) conditions for 70y & above. 

The plan also offers specific features like doctor wellness visits, COVID-19 treatment, and optional athletic coverage. This policy specializes for old-age visitors coming to the US as it covers acute onset, medical evacuation, repatriation, AD&D (Accidental Death & Dismemberment), and more. It can be purchased for your parents for a maximum of 364 days. To buy this plan, call us. 

2. Atlas America 

Atlas America is a comprehensive insurance plan that can be purchased by non-US travelers who are at least 14 days old to up to 80 years old and traveling outside their country of residence. If your parents are coming to the US for a short visit, this plan is quite appropriate. This policy can be purchased for a maximum of 364 days, making it ideal for parents visiting their children for a few months. 

The plan covers hospital room and board, intensive care unit, acute onset of pre-existing conditions, emergency dental and eye, emergency medical evacuation, repatriation of remains, trip interruption, travel delay, lost baggage, lost or stolen passport/visa, and more. Overall, the plan offers medical and travel-related benefits that can help your parents survive any emergency situation. 

3. Patriot America 

This is yet another comprehensive visitor health insurance plan designed for non-US citizens coming to the US for a short stay. The plan includes services such as hospitalization, prescription drugs, and urgent care visit insurance coverage for in-patient and out-patient medical accidents & illness from $50,000 to $1 million, The plan has three options, Lite, Plus, and Platinum. Unfortunately, the Lite option has no coverage for the acute onset of pre-existing conditions. The Plus and Platinum options include some coverage for non-chronic acute onset of pre-existing conditions. 

The plan is available for ages 14 days to 99 years. There are also optional benefits like Adventure Sports Rider, Enhanced AD&D Rider (individual only), and Evacuation Plus Rider. If your parents have no medical history of pre-existing conditions, you can proceed with buying this plan. Call us to let us know about the buying process. 

4. Diplomat America 

Diplomat America is designed for non-US travelers traveling to the US. The plan provides insurance coverage for accidents and illnesses, emergency medical treatment, medical evacuation, repatriation of remains, trip interruption, lost baggage, accidental death and dismemberment, emergency dental, and more. 

It offers up to $1 million coverage for medical illnesses and injuries for in-patient and out-patient treatment and does not have any coverage for  acute onset of pre-existing conditions. Diplomat America for visitors does not follow a PPO (Preferred Provider Organizations) network; hence you can go to any provider in the area. 

5. Visitors Protect 

Visitors Protect aims to protect travelers traveling from their home country to the US, Mexico, and Canada. It provides coverage for medical expenses, physician visits/services, urgent care clinic, walk-in clinic, emergency room, hospitalization, lab and diagnostics, outpatient prescription drugs, medical evacuation, emergency reunion, dental treatment, accidental death, and dismemberment, and more. 

The policy comes with a unique feature that includes temporary medical coverage for pre-existing conditions, which makes it a suitable plan for parents already having a history of a pre-existing condition. It can be bought for a maximum of 12 months and is eligible up to 99 years. Check the brochure to find out more. 

The fixed benefits plans: 

6. Visitors Care 

Visitors Care is a fixed-benefit plan available to non-US citizens coming to the US for a short stay. The plan offers limited coverage for medical expenses for injuries and illnesses, hospitalization, surgery, physician visits, prescriptions, evacuation, repatriation, etc. Though the plan comes with a sublimit, it is quite popular and budget-friendly among travelers. Moreover, the policy provides coverage for non-chronic acute onset of pre-existing conditions for people below 70 years of age. 

7. Visitor Secure 

Visitor Secure is another economical insurance plan designed to protect non-US travelers arriving in the US. If you are looking for a cheaper insurance plan option for your parents, this plan is a suitable option. It offers coverage for acute onset of non-chronic pre-existing conditions for visitors aged below 70 years. The plan is available for ages 14 days to over 80 years. 

Conclusion 

In conclusion, obtaining visitor insurance for parents visiting the US is a crucial step to ensure their health and well-being during their stay. It provides financial protection, access to quality healthcare services, and peace of mind for you and your parents. It is crucial to read the policy documents thoroughly, understand the terms and conditions, and ask any questions you may have before making a final decision. 

Consider seeking expert advice from insurance providers, like us, Visitor Guard® to explore insurance options and find the most suitable coverage for your parents. For any help and information, call us. 

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