Visitor Health Insurance for Parents Visiting the USA
Planning to host your parent in the USA? Ensure their journey is worry-free with Visitor Guard®. As medical costs in the US can be significantly high, securing the right insurance is essential, especially for elderly visitors who might face unforeseen medical emergencies.
Visitor Guard® offers specialized travel medical insurance designed for visitors to the USA. This insurance is especially beneficial for elderly guests who might be at a higher risk of facing medical emergencies during their stay. With our coverage, you can be assured that unexpected medical costs won't become a burden, allowing your parents or relatives to enjoy their visit to the fullest.
Choose Visitor Guard® and ensure a seamless, worry-free experience for your loved ones while they explore the United States.
Best Visitor insurance for parents visiting the USA
Safe Travel USA Comprehensive, Patriot Travel, and Atlas America are some favored comprehensive plans. In contrast, Safe Travel Elite and Visitors Care Insurance plans have fixed benefits. Depending on your parents’ length of stay, medical history, age, medical coverage required, and the premium you prefer to pay, you can choose a plan.
1. Safe Travel USA Comprehensive - Best for Senior Parents Visiting the USA
This plan provides medical coverage to individuals and families traveling to the USA from other countries. It covers the acute onset of pre-existing diseases within a predetermined limit. Within the PPO network, the plan covers up to 100% of the policy maximum for injuries or illnesses covered in the plan. Buy the Safe Travel USA Comprehensive plan with us at a low price.
Plan Highlights
- Plan maximum limits ranging from $50,000 to $1 million
- Deductible options from $0 to $5000
- Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19, Well Doctor Visit
- Coverage for 1 episode of Acute Onset of Pre-existing conditions
- Coverage from 5 days to 364 days
2. Atlas America Insurance - Best for Parents with pre-existing conditions
It is known for its perfect mix of flexibility and dependability. This plan offers a wide range of deductibles from $0 to $ 5,000 and policy maximums ranging from $50,000 to $2,000,000. So you get to choose the exact amounts you need and are comfortable with. Atlas America Insurance also offers the acute onset of pre-existing conditions. You can ask for a refund or renew a plan if the traveling plan changes. It covers many medical needs- including emergency medical evacuation, adventure sports, an act of evacuation, etc.
Plan Highlights
- Plan maximum limits ranging from $50,000 to $2 million
- Deductible options from $0 to $5,000
- Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
- Coverage for non-chronic Acute Onset of Pre-existing conditions
- Coverage from 5 days to 364 days
3. Patriot America Plus - Best Plan with a 100% policy maximum
This policy offers up to a 100% policy maximum for the acute onset of pre-existing conditions like the previous two plans. You can choose a policy maximum from $50,000 to $500,000. It provides the best support and service and is flexible to provide returns in case unforeseen changes in planning occur while traveling. Patriot America Plus is one of this category's most-rated and best-selling plans.
Plan Highlights
- Plan maximum limits ranging from $50,000 to $1 million
- Deductible options from $0 to $2,500
- Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
- Coverage for non-chronic Acute Onset of Pre-existing conditions
- Coverage from 5 days to 2 years
Average Cost of Visitor Insurance for Parents Visiting the USA
Insurance Plans | Policy Maximum | Deductible | Plan Cost* |
---|---|---|---|
Visitors Care | $25,000 | $100 | $27.28 |
Safe Travels Elite | $25,000 | $0 | $33.48 |
Venbrook Premier | $50,000 | $250 | $115 |
Visit USA Budget | $50,000 | $250 | $43.13 |
Visitor Secure | $50,000 | $100 | $47.43 |
Safe Travel Comprehensive | $50,000 | $250 | $123.69 |
Patriot America Lite | $50,000 | $250 | $114.39 |
Patriot America Plus | $50,000 | $250 | $124.93 |
Visit USA | $75,000 | $250 | $113.19 |
Atlas America | $50,000 | $250 | $135.16 |
Diplomat America | $50,000 | $250 | $173.29 |
Atlas Premium America | $50,000 | $250 | $227.54 |
*Average cost of Visitor Insurance for Parents is based on quotes for a 50-year-old male traveling to the US for a 1-month trip. Source: Visitor Guard®
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Best Comprehensive Coverage Plans for Parents Visiting USA
Safe Travel USA Comprehensive
$73 / mo For age 45 year with $50,000 plan and $250 deductible- Plan maximum limits ranging from $50,000 to $1 million
- Deductible options from $0 to $5000
- Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19, Well Doctor Visit
- Coverage for 1 episode of Acute Onset of Pre-existing conditions
- Coverage from 5 days to 364 days
- Brochure
Patriot America Plus
$75 / mo For age 45 year with $50,000 plan and $250 deductible- Plan maximum limits ranging from $50,000 to $1 million
- Deductible options from $0 to $2,500
- Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
- Coverage for non-chronic Acute Onset of Pre-existing conditions
- Coverage from 5 days to 2 years
- Brochure
Atlas America
$79 / mo For age 45 year with $50,000 plan and $250 deductible- Plan maximum limits ranging from $50,000 to $2 million
- Deductible options from $0 to $5,000
- Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
- Coverage for non-chronic Acute Onset of Pre-existing conditions
- Coverage from 5 days to 364 days
- Brochure
Venbrook Basic
$68 / mo For age 45 year with $50,000 plan and $250 deductible- Plan maximum limits ranging from $50,000 to $1000,000
- Deductible options from $0 to $5000
- Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, ADD
- Coverage from 5 days to 365 days
- Brochure
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Venbrook premier
$74 / mo For age 45 years with $50,000 plan and $250 deductible- Plan maximum limits ranging from $50,000 to $1000,000
- Deductible options from $0 to $5000
- Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid 19
- Coverage for Acute Onset of Pre-existing conditions up to age 69
- Coverage from 5 days to 364 days
- Brochure
- Review Plan
Best Limited Benefit Plans for Parents Visiting USA
Visitors Care Insurance
$31 / mo For age 45 year with $50,000 plan and $100 deductible- Plan maximum limits ranging from $25,000 to $100,000
- Deductible options of $0, $50, $100 (varies by age)
- Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
- Coverage for non-chronic Acute Onset of Pre-existing conditions
- Coverage from 5 days to 2 years
- Brochure
Safe Travels Elite
$38 / mo For age 45 year with $50,000 plan and $0 deductible- Plan maximum limits ranging from $25,000 to $170,000
- Deductible options $0; For ages 79 to 89 yrs: $100, $200
- Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
- Coverage for 1 Acute Onset of Pre-existing conditions
- Coverage from 5 days to 364 days
- Brochure
Visitor Insurance for Parents Above 80
If your parents are over 80, choosing the right visitor insurance becomes even more critical due to limited plan options and higher medical risks. Look for plans with:
- Lower deductibles to minimize out-of-pocket costs.
- Acute onset of pre-existing condition coverage for unexpected flare-ups.
- Adequate policy maximums (even if reduced compared to younger age groups).
- Comprehensive emergency care coverage, including hospitalization and medical evacuation.
Visitor Guard® offers tailored plans for elderly travelers, ensuring peace of mind and financial protection during their stay in the USA.
Visitor Insurance for Parents Over 70
Parents over 70 need specialized visitor insurance plans due to age-related health risks and limited coverage options. When selecting a plan, prioritize:
- Comprehensive coverage with hospitalization, doctor visits, and emergency care.
- Acute onset of pre-existing condition coverage, especially for conditions like heart disease or diabetes.
- Flexible policy maximums (typically up to $100,000 for this age group).
- Short-term and extendable plans to match changing travel schedules.
Visitor Guard® offers a range of plans, such as Safe Travels USA Comprehensive and Patriot America Plus, designed specifically for senior travelers, ensuring quality care and financial protection.
Acute Onset of Pre-Existing Conditions: Essential Coverage for Parents Visiting the USA
If your parents have pre-existing health conditions, securing visitor insurance that covers the acute onset of pre-existing conditions is crucial. This coverage protects against sudden, severe flare-ups of existing conditions like diabetes, hypertension, or heart disease, which may require immediate medical attention while in the United States.
Acute onset coverage typically applies when a condition unexpectedly worsens and requires hospitalization or emergency treatment within 24 hours. Plans like Safe Travels USA Comprehensive and Patriot America Plus offer this benefit, with specific limits and age restrictions. Be sure to check each plan’s eligibility requirements, such as waiting periods and coverage limits for elderly parents.
Health insurance for immigrant parents over 65
Seniors are more vulnerable to chronic health conditions such as diabetes, hypertension, and heart disease. Without proper health insurance, the cost of emergency care, prescription medications, diagnostic tests, or routine doctor visits in the US can quickly become overwhelming.
For immigrant parents, who are waiting for a green card and especially those not yet eligible for US health programs like Medicare, the risk of financial strain during a medical emergency is significantly higher. That is why visitor insurance or short-term health insurance plans can be a lifesaver until they qualify for green card health insurance options.
Health insurance for elderly parents on a green card
When elderly parents receive a US green card, securing adequate health insurance becomes a top priority. Green card holders aged 65+ may qualify for Medicare if they have lived in the US for at least five continuous years. However, if they lack sufficient work credits, they may need to pay for Medicare Part A and Part B for outpatient and medical services.
For newly arrived parents not yet eligible for Medicare, options include:
- Private health insurance plans — Comprehensive coverage for doctor visits, hospitalizations, and medications, though premiums for seniors can be higher.
- Affordable Care Act (ACA) marketplace plans — Available during open enrollment or with a qualifying event, offering essential health benefits.
Short-term health insurance or visitor insurance — An affordable temporary solution to bridge the gap until long-term coverage becomes available.
Benefits of having a visitor insurance for parents visiting the USA:
- Complete Healthcare: Get your parents insured against any medical emergency, surgery, or Insurance for pre-existing conditions.
- Baggage Loss Cover your bags to limit the loss of valuables and treasured personal belongings.
- Trip Cancellation Cover your trip for any last-minute cancellations or curtailments to avoid huge monetary loss.
- COVID-19 Protection Coverall medical and hospitalization bills in case of COVID-19 infection while traveling.
- Personal Accident: Insure your parents against any unfortunate personal accident or emergency.
Visitor Insurance for Parents with Pre-existing Conditions
If your parents are traveling to the US and have pre-existing health conditions such as diabetes, hypertension, or heart issues, it’s essential to choose a plan that includes acute onset of pre-existing condition coverage. These plans provide financial support for sudden, unexpected flare-ups of chronic conditions during their stay in the USA.
Visitor Guard® offers plans like Atlas America and Patriot America Plus, which cover emergency care, hospitalization, and medical evacuation for acute onset conditions, giving you and your parents peace of mind while they visit.
Health Insurance for Parents on a B1/B2 Visitor Visa
Parents visiting the United States on a B1/B2 visitor visa are not eligible for Medicare, Medicaid, or other U.S. government health programs, making private visitor health insurance essential. Without coverage, even routine medical care can be extremely expensive.
Visitor Guard® offers specialized visitor insurance plans for B1/B2 visa holders, with options for comprehensive and fixed-benefit coverage to match different budgets and health needs. These plans typically include:
- Hospitalization and emergency medical treatment
- Doctor visits and urgent care
- Coverage for the acute onset of pre-existing conditions
- Emergency medical evacuation and repatriation
- COVID-19 coverage
Whether your parents are staying for a short visit or an extended trip, you can choose plans with coverage ranging from 5 days to 2 years. This flexibility ensures that parents on B1/B2 visas can travel with peace of mind, knowing they’re financially protected from unexpected medical expenses.
Can I get travel insurance for my parents visiting the USA?
Yes, you can get travel insurance for your parents visiting the US. Visitor Guard® has many fixed benefits and comprehensive plans for parents that cover medical and travel emergencies.
What type of insurance do my parents need for visiting the US?
You can consider either a Fixed or Comprehensive plan based on the amount of coverage and premium you are willing to pay. It is advisable to get a comprehensive insurance plan for your parents that offers coverage for eligible medical expenses, COVID-19, and acute onset of pre-existing conditions. Safe Travel USA Comprehensive, Atlas America, Patriot America, Diplomat Long Term, and Diplomat America are popular comprehensive insurance plans that you can purchase. However, the insurance policies with limited benefits like the Visitors Care, Safe Travel Elite, and Visit USA Budget come with certain pre-defined limits for the benefits and anything above this amount is out of your pocket.
My parents plan to stay at home most of the time. What kind of health insurance should I choose?
Illnesses and accidents can happen at any time. It really does not matter if parents will be staying at home or sightseeing. Having good travel insurance is always a good idea. You can select any comprehensive plan from us for the entire duration of the trip. Make sure that the plan covers adequate medical and travel benefits along with COVID-19 protection and acute onset of pre-existing conditions.
Should I purchase different insurance policies for each parent?
You can purchase different policies for each parent or a single policy for both. The premium really does not change if you have both parents on the same application or individual applications. Depending on the plan and the age of the parents, some plans might force you to complete individual applications. It is recommended to talk to our executive about how the process works. Also, if your parents have different travel dates, you will have to complete individual applications.
Can I get health insurance for my parents in the US?
Yes, you can easily get a health insurance policy for your parents coming to the US. They will not get coverage through government programs, but they can get coverage through US insurance providers. There are different plans designed for parents traveling to the US, which you can choose as per the nature of your stay and medical requirements. No matter how long the stay is, a comprehensive plan is always a better option to go with. If budget is a concern, fixed benefits are better options than not being covered. For any concerns or queries, do not hesitate to ask us. We will guide you and help you to find the right plan for your parents.
Why choose our Visitor Insurance plans?
- Global Presence We offer special insurance services to parents from all around the world with our wide service online.
- Instant Customer Assistance Get your hands on 24*7 quick and accurate customer service and support to solve all your queries and doubts in an instant.
- Best Insurance Rates We provide the best competitive insurance rates for a hassle-free and smooth travel experience.
- Expert Advice Get expert opinion, support, and assistance for your parents while traveling abroad to avoid any crisis.
- Easy, Seamless Process Super easy, quick, and smooth process to help you purchase the best plan in no time.
What is covered in the visitors insurance for parents ?
Hospitalization
For comprehensive plans, the cost of hospitalization is covered up to the policy maximum, and for limited benefit plans, it is up to a pre-defined limit. Deductibles are applied in both cases.
Doctor Visits
For comprehensive plans, the costs for doctor visits are covered up to the policy maximum. And for limited benefit plans, the expenses are covered up to a pre-defined limit after certain deductions.
Dental Care
Certain plans offer dental care. These are helpful in case of a sudden toothache or a dental injury caused by an accident.
Diagnostics
If prescribed by a doctor, diagnostic procedures like MRI, CT scan, X-ray, blood tests of the covered illnesses and injuries get taken care of.
Prescriptions
As per the schedule of benefits, if a visitor gets prescribed medicines after activation of the policy, it gets taken care of by visitor health insurance.
Pre-Existing
Most plans offer coverage for the sudden onset of any pre-existing illnesses. But this is valid for travelers under a certain age, like 70 years.
Visitor insurance for mothers visiting the US
The US is not a place where you can survive without a medical insurance plan because of the high medical costs in the country. Therefore, if your mother is coming to the US for a brief stay, you must buy a plan that suits her travel and health needs. You can find comprehensive and fixed-benefit visitor insurance plans for mothers that cover the acute onset of pre-existing conditions.
These plans can also cover eligible medical expenses, hospital stays, doctor’s visits, urgent care, emergency medical evacuation, repatriation, accidental death, dismemberment, and more. However, the premium for senior travelers is more than for younger travelers. So, to buy a comprehensive policy for your mother visiting the US, contact us.
Visitor insurance for fathers visiting the US.
The healthcare costs in the US will only let you sustain with an insurance policy. For example, if your father is visiting you, he must buy a plan to cover him during his stay in the country. Senior travelers are prone to falling sick or getting injured, which is why carrying a travel medical insurance plan is essential. These plans cover medical expenses, hospitalizations, surgeries, emergency dental, acute onset of pre-existing conditions, and more.
The premiums are higher because of the risks involved. However, it is wise to get a policy that covers your father’s health and finances than not carry one. As several plans are available on the market, you may not understand which is suitable. Call us to know more.
How to choose policies for parents visiting the USA? And which policies to consider-
- You get to choose suitable medical insurance for your parents from a wide number of plans. You should consider the age and physical condition of your parents while choosing. There are two major varieties of plans-
- The fixed coverage plan- It is budget-friendly but comes with a pre-defined limit of coverages
- The comprehensive plans- it is a bit expensive, but it covers all the expenses up to the policy limits. Because of its wide range of coverage, it is especially helpful for people above the age of 50. We recommend it for the total safety of your parents.
Safe Travel USA Comprehensive, Atlas America, Patriot America Plus can be the best choices for you.
- Consult your parents before buying a plan. You will need to submit the basic details like the name, date of birth, address of your parent, and sometimes the passport number. The duration of the plans can vary from 5 days up to 364 days- so confirm their traveling schedule beforehand. Some plans even offer extensions.
- You should also check whether your parents have any pre-existing medical conditions or not. If they have, opt for the plans that cover the acute onset of pre-existing medical conditions. Acute onset is sudden reappearance or outbreak of a previously diagnosed condition with no warning. Diabetes, high blood pressure, cholesterol, and heart attack are included in the type of diseases that are considered chronic. The plans also offer coverage for non-chronic diseases. Read the conditions carefully to ensure all the relevant conditions are covered there. It does not cover the total cost of treatment, but it reduces the amount you need to pay out-of-pocket and can be a real savior in case of an emergency. Safe travels usa comprehensive is one of the most selling parents insurance plans that also includes Covid-19 insurance coverage.
- You can submit your basic details through the form above and we will contact you to guide you to find the best plan according to your parents’ needs and preferences.
- Safe Travels USA Comprehensive vs Atlas America: A Detailed Comparison
Renewing Visitor Insurance for Parents
If your parents plan to extend their stay in the USA, make sure their visitor insurance coverage continues without interruption. Most plans from Visitor Guard® offer easy renewal options before the policy expires, ensuring continuous coverage for medical emergencies, hospitalization, and acute onset of pre-existing conditions. Always renew before the expiration date to avoid gaps in coverage and check if the insurer allows multiple extensions based on travel needs.
Frequently Asked Questions about Visitor Insurance for Parents Visiting the U.S
Choosing a health insurance policy for your elderly parents is your personal choice based on the amount of coverage you require and the premium you would like to pay. The most purchased plans are Safe Travels USA Comprehensive, Visit USA, Patriot America, Diplomate Long Term, Diplomat America, and more. However, other factors can determine the plan you wish to choose. To know in detail about the plans, do contact us.
The policy maximum ranges from $50,000 to $8 million, depending on the plan. But not all plans will have the same policy maximum limit. In the event of hospitalization, the benefits required are considerably higher as compared to an Urgent Care visit for a flu. It is difficult to determine how much medical insurance is enough for parents because it entirely would depend on what kind of illness or injury treatment might require. Choice of medical insurance would depend on the risk you are willing to take during their stay in the US.
Buying US travel insurance for parents is not difficult at all. You can ft the quotes for the plans from the above quote engine. Or you can call us/or drop us an email, and we will help you buy an incredible comprehensive plan for your parents.
Typically, there are two types of health insurance– comprehensive plans and fixed benefit plans. The comprehensive plans offer higher medical and travel coverage, while the latter has pre-defined limits. Before picking one, do understand your parents’ medical and travel needs.
Patriot America Plus falls under the most affordable insurance plans for parents visiting the USA. It has a wide PPO network coverage that includes many reputed medical institutions and providers. It covers all the parts of treatments in case of an injury and illnesses, including prescriptions, hospitalizations, intensive care, and even surgeries. The urgent care visits for minor injuries and illnesses can be covered using a copay. Leveraging the PPO network will save you from taking coinsurance. Acute onset of the pre-existing conditions is also covered up to a certain limit, if the person is below the age of 70 years, and has obtained treatment within 24 hours of the onset. The plan also provides coverage for evacuation in case of an emergency. Excellent customer feedback and several positive reviews make Patriot America Plus a popular choice among visitor medical plans.
Underwritten by Lloyds of London, a well-reputed Underwriter, Atlas America is one of the best comprehensive plans for parents visiting the USA. It covers all the medical needs like prescriptions, hospitalization, intensive care, and surgeries for illnesses and injuries. If you use its in-network, this policy waives the coinsurance and deductibles. The urgent care for minor illnesses and injuries can be covered by a $15 copay. Atlas America comes with a wide PPO network coverage with a range of quality service providers. Acute onset of the pre-existing conditions is also covered up to a certain limit, if the person is below a certain age limit like 70 years, and has obtained treatment within 24 hours. The plan also provides coverage for evacuation in case of an emergency. Over the years, Atlas America has bagged quite a few positive reviews and excellent customer feedback- that showcase how popular it is amongst the parents visiting the USA.
Yes, absolutely.
Patriot America, Visit USA, Atlas America, Diplomat Long Term, Diplomat America, and Safe Travel USA Comprehensive are great plans for an 85-year-old adult. Do check the policy brochure to know in detail before purchasing.
It depends on the visa status and the plan you bought. For instance, if you are on a J1 visa plan and your sponsor allows you to add your parents as dependents to your insurance plan, you can add them. Talk to your sponsoring organization before proceeding. However, most plans consider children and not parents as dependents. If you are a green card holder and your parents are coming to visit you, you cannot add your parents to your health insurance. You need to buy a separate policy for them from a private insurance company. Some plans can allow you to add both parents to the same plan, while others may ask you to buy an individual policy for each parent.
Parents visiting the US cannot buy domestic plans or government-sponsored insurance programs. Instead, they must find a reliable insurance provider who can help them buy a health insurance policy to cover them during their brief stay. Visitor Guard® is a one-stop solution where you can find numerous visitor insurance plans for parents. Go to our site, review our plans, compare them, and get quotes.
Immigrant parents are considered visitors to the US even if they have applied for green cards and have pending green card status. You can buy visitor insurance plans for them as long as they do not get their green cards. Once they get their green cards, they can opt for domestic plans or government-sponsored insurance programs if they are eligible.
It depends on the plan you bought and the visa you hold. Typically, you cannot add parents to your health insurance plans and must buy separate plans for them.
Parents visiting the US can apply for a B2 visa issued for traveling and tourism purposes.
Safe Travel USA Comprehensive, Patriot America, Atlas America, Visitor Care, Safe Travel Elite, and Visit USA are popular travel insurance plans for parents coming to the US.
Yes, you can buy insurance for parents in the US. However, if they are living in the US or green card holders, you can buy domestic plans from healthcare.gov only if they meet the eligibility. Or you can buy visitor insurance plans for them if they are coming to visit you for a few months.