When parents decide to visit the United States, it’s essential to ensure they are well-protected, especially when it comes to their health.
Medical expenses in the US are notoriously high, and even minor health issues can result in significant costs. So, how much visitors health insurance do you need to adequately cover your parents during their stay?
Let’s break down the essential factors to help you determine the right coverage.
Understanding Medical Costs in the US
The US healthcare system is one of the most expensive in the world. For non-residents, even a simple doctor’s visit can cost several hundred dollars, while emergency care or hospitalization can easily run into tens of thousands.
With these high expenses in mind, ensuring your parents have good travel medical insurance is crucial. To minimize the risk of out-of-pocket costs, aim for a policy that provides ample coverage, ideally at least $100,000 in emergency medical coverage.
Assessing Your Parents’ Health Needs
Consider the current health condition of your parents when determining how much coverage they need and what type of plan is best suited for them.
Here are some key things to consider:
- Older travelers are at higher risk of medical emergencies, making a higher coverage limit advisable.
- If your parents have pre-existing medical conditions like diabetes or hypertension, ensure that the policy covers the acute onset of these conditions.
- If your parents are active and planning on walking tours or other light activities, having coverage for potential injuries is important.
- In case of emergencies, having a travel insurance plan that offers coverage for emergency medical evacuation and repatriation of remains.
Duration of Coverage
The length of your parents’ stay will also affect how much coverage they need. If they’re staying for an extended period (e.g., three to six months), you may want to choose a higher coverage limit to ensure their entire visit is adequately protected.
It is also recommended to purchase their travel medical insurance plan prior to their departure to ensure that the entirety of their stay is covered, although some plans may allow you to purchase after their arrival.
Additionally, check whether the policy allows for extensions if your parents decide to extend their stay. Most travel medical insurance policies are extendable, but fees may apply.
Deductibles and Out-of-Pocket Costs
When selecting a policy, be mindful of the deductible amount. A higher deductible will lower the premium, but it also means more out-of-pocket expenses for medical care.
For older travelers, a lower deductible—such as $100 to $250—is often the better choice to minimize financial strain during a medical emergency.
Limited vs Comprehensive Travel Medical Insurance Plans
When choosing a travel medical insurance plan for visiting parents, you may notice that you have two types of plan options to choose from—limited and comprehensive.
Comprehensive plans are recommended over limited plans for older visitors to the United States as they offer the best comprehensive protection as coverage works on a percentage basis, often covering up to 100% of eligible medical expenses.
Limited plans are riskier, as they require a deductible for each incident, and only cover up to a fixed amount for each treatment or service. This can lead to much more out-of-pocket costs, especially in an emergency situation.
Tip: Learn more about why comprehensive plans are preferred to limited plans.
Recommended Coverage Amounts for Parents
Here are the recommended insurance coverage amounts for parents traveling to the USA to ensure optimal coverage:
- Emergency Medical Coverage: At least $100,000
- Emergency Medical Evacuation: At least $250,000
- Return of Mortal Remains: $25,000
- Deductible: Aim for $100 – $250
Choosing the Right Insurance Plan
The right insurance plan for your parents will balance cost with adequate coverage. Look for policies specifically designed for visitors to the USA, which often include tailored benefits like coverage for acute onset of pre-existing conditions, such as CoverAmerica-Gold.
Some of the most popular options include comprehensive coverage plans that are recognized by healthcare providers in the US, ensuring your parents can access quality care without upfront payment requirements.
Secure the Best Coverage for Your Parents
Purchasing the right amount of travel insurance for your parents traveling to the USA is about finding the balance between comprehensive coverage and affordability. Given the high cost of healthcare, opting for a plan with a higher coverage limit is generally advisable to ensure your parents are fully protected.
At VisitorsCoverage, we offer comprehensive travel medical insurance plans that are specifically tailored for visitors to the US. Browse our top-rated travel medical insurance plans or contact our Customer Success Team for further assistance.
