We recommend choosing a comprehensive travel insurance plan for your parents visiting the U.S. As its name suggests, a comprehensive visitors health insurance plan offers more extensive coverage and has more benefits than a limited coverage policy. You can also buy a policy that includes coverage for acute onset of pre-existing conditions and emergency medical evacuation.
Health Insurance for Parents Visiting the US
Having your parents visit you in the U.S. for the first time is exciting. Of course, their health and safety are always the top priority. Because of this, they need travel medical insurance. Although you can't necessarily prevent health complications and medical incidents, you can take precautions to keep your parents safe and reduce financial losses by purchasing health insurance for parents.
If your parents are planning a U.S. visit, we recommend buying them a comprehensive visitors insurance policy to safeguard them in the event of a travel emergency. As you research your options you may have a few questions. That’s why we prepared this list of frequently asked questions.
Insurance for Visiting Parents: Frequently Asked Questions
What kind of insurance do my parents need for visiting the U.S.?
Should I purchase different insurance policies for each parent?
If both parents are visiting the U.S., we recommend buying separate policies for them, instead of combining them into one single policy. Although there is no price difference, you'll have more options if either of them has to leave early or if you need to cancel or extend one person's policy.
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.
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. As people age, their health insurance options become more restrictive. So, if your parents are over 70 years of age, many policies may only offer coverage with a policy maximum of $50,000, but there are a few options that may provide coverage for costs up to $60,000, $100,000, or even $250,000, though there might be more restrictions.
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.
My parents plan to stay at home most of the time, what kind of insurance should I choose?
You may want to pick a lower policy maximum and/or higher policy deductible for travel medical insurance policy to protect your loved ones from any unexpected medical emergencies.
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.
Will I be responsible for my parent's medical bills?
If you are sponsoring your visiting parents you could be held responsible for any unpaid medical expenses your parents incur during their U.S. visit.
Can I get more help choosing the best policy for my parents?
VisitorsCoverage specializes in health insurance for parents visiting the U.S. A licensed insurance expert on our Customer Success Team can answer all your questions.
Plan features listed here are 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.