When arranging travel plans for parents visiting the United States from China, one item on your checklist should be travel medical insurance, or often referred to as visitors health insurance.
Purchasing a travel medical insurance plan for parents from China visiting the United States will provide the necessary health insurance coverage that your parents need, especially when considering the extremely high costs of medical care in the US.
Not only will a visitors health insurance plan give both you and your parents peace of mind during their stay, it will also protect you and your family from potentially exorbitant medical bills in the event of an unexpected illness or injury.
What Is US Visitors Health Insurance?
Visitors health insurance, or travel medical insurance, is a short-term medical insurance plan designed to offer coverage for emergency medical expenses during one’s stay in the United States.
US visitors insurance for visitors from China can offer a variety of coverage for emergency healthcare and other key benefits.
Benefits of US visitors health insurance include:
- Medical coverage for new accidents or illnesses that occur in the US
- Emergency medical care such as hospitalization or surgery
- Emergency medical evacuation
- COVID-19 coverage
- Access to PPO network and direct billing
- Lost luggage
- Accidental death and dismemberment coverage
- Repatriation of remains
Why Is Visitors Insurance Important for Visitors to the US From China?
Having health coverage in the United States for a visit to the US from China is crucial. The United States notoriously has some of the highest medical costs in the world, which can be extremely difficult to deal with in the event of a medical emergency without insurance.
Unlike China, the United States does not have universal healthcare. This means that patients in the US have to rely on private health insurance for their medical care, or pay out-of-pocket for treatment.
When parents from China visit the United States, they will likely be uninsured. This can pose significant issues if an injury or illness were to occur during their stay.
With age also comes more risk when it comes to your health, so the added layer of protection for parents visiting the United States can be a vital safeguard in certain situations.
How Much Does US Visitors Insurance Cost for Parents From China?
The cost of a US visitors health insurance plan for a parent visiting from China will vary, depending on a few factors.
Cost can vary depending on:
- The type of plan (comprehensive vs limited)
- Policy maximum
- Deductible chosen
- Age of traveler
- Length of trip
- Add-on coverage
- Coverage for pre-existing conditions
The best way to get an idea of how much a visitors insurance plan will cost is to get a quote using your parent’s information and travel details.
Things to Consider When Choosing a Plan for Chinese Parents Visiting the US
As you browse through visitors health insurance plans for your parents visiting the US from China, it is important to consider the following in order to choose the best plan.
- Choosing a comprehensive plan will provide the best coverage and the least potential out-of-pocket costs.
- Higher policy maximums are recommended for older travelers since the risk of illness or injury is greater.
- If you are worried about out-of-pocket costs, choose a lower deductible (the amount you have to pay before the insurance kicks in).
- Consider whether or not pre-existing conditions are a concern. If they are, you may want to opt for a plan that covers the acute onset of pre-existing conditions.
These tips will help you choose a visitors health insurance plan that will provide the best coverage for your parents during their stay.
How Does Visitors Insurance Work?
After you purchase a visitors health insurance plan for your parents, you will receive their policy ID and plan details which your parents should keep on them at all times while in the United States.
If you choose a travel medical insurance plan with a PPO network, you will be able to find care for them easily through a provider within the plan’s PPO network.
When receiving care, your parents can present their travel insurance policy ID and information to the healthcare provider. If within a PPO network, they will often have the option for direct billing, meaning that the provider will bill the insurance company directly. Afterwards, you will submit a claim for the medical expenses through the travel insurance company.
Best Visitors Insurance Plans for Parents Visiting the US From China
The following visitors health insurance plans are best suited for parents who are visiting the United States from China.
Why Buy Visitors Insurance Through VisitorsCoverage
When you choose to buy a visitors insurance plan through VisitorsCoverage, you’ll have access to the best top-rated visitors health insurance plans that are specifically tailored to foreign visitors to the US.
Additionally, you’ll have access to our award-winning Customer Success Team that can help you every step of the way with any questions you may have and claims assistance.
Secure Your Parents Trip to the USA
With a visitors health insurance plan from VisitorsCoverage, you can have peace of mind knowing that your parents visiting from China will have the best coverage if an unexpected emergency were to occur during their stay.
Still have questions? Reach out to our Customer Success Team with any questions and we would be happy to assist. If you’re ready to secure your parents’ protection, browse our available travel medical insurance plans for visitors to the US.
Frequently Asked Questions
Is visitors insurance mandatory for travelers from China to the USA?
While visitors insurance typically isn’t mandatory for travelers from China to the USA for short visits, it is highly recommended as it can offer vital protection for emergency medical care.
Is visitors insurance recommended for short visits?
Yes, even if your parents from China are only visiting for a short period of time, having visitors insurance is still recommended as medical issues can happen unexpectedly at any time.
Are comprehensive or limited plans better for travelers to the US from China?
Comprehensive plans are much better suited for parents traveling to the US from China as they offer the best coverage for emergency medical situations and can provide many other added benefits such as lower out-of-pocket costs, access to a PPO network, direct billing, and more.
Does visitors insurance cover COVID-19?
Yes, visitors insurance can cover COVID-19 similar to any new illness that occurs after the effective date of the policy.
Are there specific policies for travelers from China?
Travel medical insurance policies such as CoverAmerica-Gold are specifically tailored to the needs of individuals who are traveling internationally to the United States.
Can you buy visitors insurance after your parents have already arrived in the US?
Yes, you can purchase a visitors insurance policy for your parents after they arrive in the United States. However, keep in mind that coverage will only start once the policy becomes active, so it is recommended to purchase their policy before they arrive in order to cover the entirety of their trip.
