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Travel insurance for Indian parents visiting USA 

Travel insurance for Indian parents visiting USA

Of the millions of people who travel to the U.S. every year, many parents are visiting from India and want to stay with their children who live and work in the U.S., and in fact, parents make up a significant percentage of those traveling from countries like India. While some parents visit the U.S. for short periods of time, many of them typically visit the U.S. for four to six months or longer. 

With high medical costs in the U.S., parents visiting from India can be financially burdened without proper travel insurance, even if they suffer from a minor illness. Unfortunately, in the case of a serious illness or injury, the costs can be thousands of dollars or even more.  

Hence, it is advisable to buy the best travel insurance for parents visiting the USA from India. While travel insurance is available from several insurance companies in India, it is always better to buy insurance from a US-based company. 

 Within the United States, there are primarily two types of travel insurance plans.  

  • Fixed coverage plan 
  • Comprehensive coverage plan 

While fixed coverage plans are more affordable, they have strict sub-limits for each benefit (which is what you get from most Indian companies). Therefore, it is highly recommended to purchase comprehensive coverage plans. However, as parents get older, they are more likely to develop certain medical conditions. Hence, it is better to buy comprehensive coverage plans. 

What primary factors should you consider for travel Insurance for parents from India? 

Depending on their age, check the policy maximum and try to choose the maximum policy you can.  

You should also review the deductible amount. – Deductible is the first amount you pay before the insurance company starts to pay for the covered benefits. The higher the deductible, the cheaper is premium (the amount you pay upfront while buying the plan); however,  you will have to pay more in the event you must use it. 

What are the best travel insurance plans for Indian parents visiting the USA? 

Some of the best travel insurance plans are listed below. There are comprehensive and fixed-benefit coverage plans. No medical examination is required; you can buy any of them instantly on the website: 

Atlas America 

The Atlas America plan suits families, parents, and relatives coming to the United States for short-term stays.   

Key Features: 

  • Coverage for Medical Accidents and Illness for Inpatient and Outpatient visits 
  • Covers evacuation, Repatriation of Remains, Trip interruption, Baggage loss, Acts of Terrorism, Natural Disasters, and more. 
  • Deductible options from $0 to $5,000, and after deductible, plan pays 100% up to the policy maximum.  
  • Covers acute onset of pre-existing conditions that are not chronic and congenital. 
  • Includes PPO (Preferred Provider Organization) Network with providers across the U.S 
  • Co-insurance is waived if in-network providers are used. 
  • Provide medical coverage for eligible expenses related to COVID-19. 
  • Coverage option from 5 days to 364 days. 
  • Benefits include treatment for complications during pregnancy for the first 26 weeks, mental illness, AD&D (Accidental Death & Dismemberment), personal liability coverage, and crisis response coverage. 

Patriot America Plus 

Patriot America Plus plan providescomprehensive and affordable medical coverage to non-US citizens who need temporary medical coverage while traveling in the U.S. for business or vacation. It is ideal for parents, family, or friends visiting the U.S. from their home country. If you have family in America and want to visit them this year, Patriot America Plus is an excellent option! 

Key Features: 

  • Covers Hospitalizations, ER (Emergency Room)., doctor’s office visits, and prescription drugs for individuals, groups, and their dependents. 
  • Covers non-chronic acute onset of pre-existing conditions for individuals under age 70 years.  
  • After the deductible, the plan pays 100% up to the policy maximum.  
  • Provide medical coverage for eligible expenses related to COVID-19. 
  • Can be purchased for 5 days to 12 months, then can be renewed for up to 2 years. 
  • Coverage  Urgent Care and Walk-in Clinic (Subject to Co-Payment) 
  • Optional coverage for adventure sports
  • Includes PPO Network with providers across the U.S. 
  • Benefits include customizable coverage for AD&D Rider, Dismissal Plus Rider, and Chaperone/Faculty Leader Replacement Rider. 

Safe Travel USA Comprehensive 

Safe Travels USA Comprehensive is a comprehensive travel insurance plan for non-US citizens visiting the United States or residents under age 90. This plan is not available to U.S. citizens, U.S. residents, or green card holders in the U.S. 

Key Features: 

  • Coverage for inpatient and outpatient medical accidents and illnesses up to $1 million 
  • Deductible options from $0 to $5,000 
  • Covers one episode for an acute episode for a pre-existing condition up to medical policy maximum. 
  • In-network, deductibles and co-insurance can be waived. 
  • Covid-19 is treated like any other illness. 
  • Covers Emergency Medical Evacuation, Repatriation of Remains, Travel Interruption & Delay, Loss of Baggage & Belongings, AD&D 
  • It offers coverage from 5 days to 364 days. Benefits of Optional coverage for athletics coverage, home country coverage, and 24-hour AD&D 

4. Safe Travels Elite 

Safe Travels Elite plan is available to non-US citizens who live outside the U.S. and are coming here only to visit the U.S. However, Safe Travels Elite is a fixed benefit plan and is not available to U.S. citizens, U.S. residents, or green card holders. 

Key Features: 

  • Provides inpatient and outpatient coverage for medical illnesses and accidents with sub-limits. 
  • Available to individuals up to the age of 89 years.  
  • Provides coverage for eligible medical expenses, including hospitalization, surgery, doctor visits, and prescriptions. 
  • Coverage is available from 5 days to 364 days.  
  • Covers one acute onset episode of a pre-existing condition. 
  • Covid-19 is protected like any other disease. 
  • Covers One wellness visit within the first 21 days of the effective date if the plan is purchased for at least 30 days of coverage. 
  • Choice of 6 plans – Economy, Basic, Silver, Gold, Platinum, and Diamond 

5. Visitors Care 

Visitor Care is an affordable and fixed-benefit medical travel insurance plan. This plan is ideal for tourists, business travelers, leisure travelers, family visits, and more. 

Key Features: 

  • Provides coverage for medical expenses, including hospitalization, surgery, doctor visits, and prescriptions. 
  • Maximum limits of $25,000, $50,000, and $100,000. 
  • Deductible options of $0, $50, and $100. 
  • Covers non-chronic acute onset of pre-existing coverage below the age of 70. 
  • Offers coverage from 5 days to 2 years. 
  • Benefits include coverage for emergency medical evacuation, repatriation of remains, accidental death, dental injury, and incidental expense on the trip. 

Bottom Line 

Although it is highly recommended to purchase travel insurance in advance for the entire duration of the trip, if your parents are not sure how long they will be staying, you can opt for a renewable travel insurance plan – where you purchase the travel insurance for a shorter period and then extend it. 

Related Article: Travel Insurance for Parents Visiting the US 2024 

Chiranth Nataraj

Chiranth Nataraj

Travel Insurance Expert

Chiranth Nataraj is a licensed insurance agent and the principal at VisitorGuard.com, an independent insurance agency that provides visitor insurance to customers across the United States and the world. With over 20 years of experience, Chiranth has been instrumental in educating the travel community, new immigrants, the international student community, and foreign governments about visitor medical insurance to cover medical expense risks. He has built a team that strives to make VisitorGuard.com the preferred choice for travelers, exchange visitor organizations, and international universities. His insights and expertise have made him a popular industry voice, and he is often featured in USA Today, Forbes, Washington Post, and many more.

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