Health Insurance for Parents Visiting the US

Having your parents visit you in the U.S. is a wonderfully rewarding experience. Of course, their health and safety are always the top priority. They have always taken care of you, now it's your turn to take care of them!

A medical or travel emergency can easily spoil a trip to the U.S., causeing unnecessary stress and frustration for both you and your parents. While you can't necessarily prevent these events, you can take the necessary precautions to relieve stress, limit financial burden and ensure proper care is taken.

If your parents are visiting the U.S., we recommend that you purchase a comprehensive visitor insurance policy to ensure adequate coverage for them in the event of a medical or travel emergency.

Making sure that your parents are protected begins with purchasing a travel insurance policy that best fits their individual needs. A quality health insurance plan for your parents, which includes comprehensive coverage for emergency medical care, acute onset of pre-existing conditions and emergency medical evacuation, can make their stay worry-free and give you peace of mind.

CoverAmerica - Gold Insurance is a new, 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 idea for elderly travelers, especially parents, coming from the Indian sub-continent and Asia.

Commonly asked questions about health insurance for parents visiting the U.S.

Q. What kind of insurance you should look for parents visiting the U.S.?

We recommend that purchase a comprehensive insurance plan for your parents visiting the U.S. As its name suggests, a comprehensive visitor health insurance plan provides higher coverage and has more benefits than a limited coverage policy.

Q. Should I include both parents in a single application or purchase different insurance plans for each of them?

If both parents are visiting the U.S., we recommend that you buy separate policies for them, instead of combining them into one single policy. Although there is no price difference, you can have better control if either of them has to leave early or if you need to cancel or extend one person's policy.

Q. What policy maximum should I choose for my parent's visitor insurance?

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.
If your parents are over 70 years of age, many policies will only offer coverage for costs up to $50,000, except a few that may provide coverage to $60,000, $100,000, or even $250,000. For people aged 80 years, there are more restrictions on policy maximum and coverage amount. For more information, please read: Travel Medical Insurance Plans for People Over 70.

Q. 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.

Q. My parents do not have insurance, will I be liable for my parent's medical bills?

If you have signed any sponsorship document or signed as their guarantor, you may be liable for their medical bills. Consult a expert legal advisor to get advice on this topic.

Q. My parents plan to stay at home most of the time, what kind of insurance I should choose?

You may want to pick a lower policy maximum and/or higher policy deductible for travel medical insurance policy to protect yourself from any unexpected medical emergencies.

Q. My parents will be traveling, what kind of insurance should I choose?

We recommend that you buy a comprehensive coverage policy with higher policy maximum if your parents plan on a lot of travel or activities during their stay.

Q. I have more questions and need advice when selecting the policy and coverage for my parents.

Visitors Coverage specializes in providing health insurance for parents visiting the U.S. Our licensed and knowledgeable staff can answer all your questions. To contact VisitorsCoverage, write an email to


Information provided here is high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.