- Medical coverage is crucial for parents that are visiting the U.S. for short visits or extended periods of time due to the high cost of medical care in the U.S.
- You should consider things like policy maximum, deductibles, pre-existing conditions, medical expense coverage, and provider networks when choosing a plan.
- Plans are available for elderly travelers up to 99 years of age, but plans and coverage may be limited for certain ages.
- Travel medical insurance for parents visiting the USA can be purchased through VisitorsCoverage.
Looking for travel insurance for parents visiting the USA? As a responsible child or family member, you may be looking to bring your parents or other elderly relatives to the United States for a visit.
It’s definitely important to consider their healthcare needs while they are here, especially if they do not have health insurance coverage in the US as medical costs here can be very costly. This is where visitors health insurance for parents comes in handy.
Health Insurance for Parents Visiting USA
Travel medical insurance, also referred to as visitors insurance, provides coverage for emergency medical expenses incurred during an extended stay or while traveling temporarily in the United States.
This type of health insurance for parents visiting USA can be particularly beneficial for elderly visitors who may be more susceptible to medical emergencies.
How to Choose Health Insurance for Visiting Parents
When choosing visitors insurance for parents visiting the USA, it is important to consider the following:
Medical Expenses
Coverage amounts for medical expenses can vary widely depending on the policy. A good starting point is to look for policies with coverage amounts of at least $50,000, but it is important to consider the specific healthcare needs of your parents or relatives when selecting coverage amounts.
Emergency Medical Coverage
Make sure the insurance policy covers emergency medical expenses, including hospitalization, doctor's visits, and urgent care.
Emergency Medical Evacuation
In the event that your parent or relative needs to be transported to a more appropriate medical facility, coverage amounts for emergency medical evacuation should be considered. A good coverage amount for emergency medical evacuation is at least $100,000.
Pre-Existing Conditions
If your parents or relatives have pre-existing medical conditions, you may want to choose a policy that may offer coverage for their needs from one of these plans.
Deductibles and Copayments
Consider the deductibles and copayments associated with the policy, as well as any limitations on coverage. Higher deductibles may lower the policy premium, but can also increase out-of-pocket expenses in the event of a medical emergency.
Policy Maximum
Ensure that the policy provides adequate coverage for medical expenses in case of an emergency. In general, the higher the policy maximum, the better it is. This does depend on their length of stay, age, and the activities in which they plan to participate. Usually, a $100,000 policy maximum is ideal. As people age, their health insurance options become more restrictive.
Provider Network
Check whether the insurance provider has a preferred provider organization, or PPO, that your parents or relatives can use to save on out-of-pocket costs.
Repatriation of Remains
This coverage provides for the return of remains to your home country in the event they want to return to their home country for medical care or in case of death. A good coverage amount for repatriation is at least $25,000.
How to Get Health Insurance for Parents Visiting USA
Health insurance for visiting parents can be purchased online through a travel insurance marketplace such as VisitorsCoverage. You can also purchase a plan for your parents using their information and following the tips above.
All you will need is your parent's basic information such as:
- Full name
- Home country
- Citizenship
- Destination country
- Travel dates
- Date of birth
- Home address
Health Insurance for Immigrant Parents Over 65
If you are looking for health insurance for an immigrant parent over 65, you still have options. Most travel medical insurance plans offer coverage for individuals up to the ages of 74 to 99, however, coverage may be more limited.
It is also expected that the premium for the plan will be higher than it would for someone younger, and some benefits may be capped for certain age groups.
However, visitors insurance for parents over 65 is still crucial to have some protection if they are sick or injured during their visit.
Health Insurance for Parents Is Necessary
Getting a health insurance plan for your visiting parents is highly recommended and extremely necessary to protect against a huge financial burden in the event of an emergency.
With age comes more health issues, and there's always a possibility that a parent could become ill or be injured during their visit to the United States.
Medical expenses in the United States are extremely high, so having temporary coverage for your parents could potentially save you tens of thousands of dollars if something were to happen.
Get Covered With VisitorsCoverage
Ready to find a visitors insurance plan for a visiting parents? Compare our available visitors insurance plans to find a policy that best fits your budget and your parent's needs.
If you have any questions, feel free to contact our Customer Success Team for friendly assistance.
FAQs: Finding Insurance for Parents Visiting the USA
Should each parent have their own travel insurance plan?
When it comes to travel medical insurance for parents visiting the U.S., it is recommended that each parent has their own individual policy. This is because each policy will have its own limits and restrictions, and having separate policies ensures that each parent is adequately covered for their specific healthcare needs.
What's the best travel insurance health plan for parents?
CoverAmerica-Gold Insurance is a comprehensive coverage travel medical insurance policy, which provides hand-picked benefits such as 100% coverage after the deductible, $20-$25 urgent care consultations (depending on the policy maximum), coverage for emergency dental treatment and eye exams. It also covers acute onset of pre-existing conditions, which makes the plan ideal for elderly travelers, particularly travelers coming from India and Asia. The plan has been very popular for parents visiting the U.S. This plan is 100% within the United Healthcare PPO network, one of the most widely-known networks in America.
Can I purchase insurance for my visiting parents?
Yes, you can complete the application on behalf of your parents and make the payment using your credit card.
My parents don't have insurance, will I be liable for my parents' medical bills?
If you've signed any sponsorship document or signed as their guarantor, you may be liable for their medical bills. Consult an expert legal advisor to get more help.
What if my parents are already here and have pre-existing conditions?
You may consider the ChoiceAmerica limited coverage plan which offers an optional pre-existing condition rider benefit that can be added during your purchase. The ChoiceAmerica plan is available to purchase even after arriving at your destination country. To qualify for the optional pre-existing condition rider, 30 days of coverage must be purchased.
My parents will be traveling, what kind of insurance should I choose?
We recommend that you buy a comprehensive coverage policy with a higher policy maximum if your parents plan on a lot of travel or activities during their stay.
Can I add my visiting parents to my health insurance?
Unless your parents are considered your dependents and live in the United States, they can't be covered by your health insurance.
Can I get more help choosing the best policy for my parents?
Finding a suitable plan for your parents is essential when traveling abroad. Travel medical insurance can provide coverage for unexpected and new illnesses, injuries, or accidents that occur during their visit abroad. Along with financial protection for eligible medical expenses, you also get a peace of mind. This will allow you and your family to enjoy their stay without worrying about the potential what ifs. To find a suitable plan option and receive a quote, please enter your travel details in our quoting tool. If you'd rather talk to someone, our licensed insurance experts on our Customer Success Team can answer all your questions.
Which insurance is best for parents visiting USA?
Comprehensive travel insurance, such as CoverAmerica-Gold or Atlas America, are preferred for parents visiting the USA as they offer adequate coverage and benefits ideal for older travelers.
