Best Visitor’s Travel Insurance Plans For Parents Visiting The USA

Travel insurance is one of the most crucial things to obtain if you intend to bring your parents to visit you in the United States, in preparation of their arrival.

Obtaining visitors insurance for parents will aid in the event of an unforeseen incident during their visit.

What Are the Best Travel Insurance Plans for Parents Visiting the USA?

Here are the top 5 health insurance plans for parents visiting the USA:

• Beacon America.
• Patriot America Plus Insurance.
• Patriot Platinum Insurance.
• Safe Travels USA – Cost Saver Insurance.
• Visitors Care Insurance.
• Beacon America

Specifications of Beacon America plan:

• Comprehensive coverage
• Available for people up to 79 years of age
• After the deductible, it covers 100% up to the policy maximum
• Includes coverage for an acute onset of pre-existing conditions for people up to 79 years of age.
• Includes dental coverage
• Includes AD&D coverage

Patriot America Plus Insurance

The Patriot America Plus offers the following benefits:

• Comprehensive coverage
• Within PPO Network: The plan covers 100% up to the policy maximum.
• Outside PPO Network: The plan covers 80% of the first $5,000, then 100% up to the policy maximum.
• Includes dental coverage
• Includes coverage for an acute onset of pre-existing conditions for people up to 69 years of age.

Patriot Platinum Insurance

Here’s the list of the benefits included in the Patriot Platinum plan:

• Comprehensive coverage
• Within PPO Network: The plan covers 100% up to the policy maximum.
• Outside PPO Network: The plan covers 90% of the first $5,000, then 100% up to the policy maximum
• Includes coverage for acute onset of a pre-existing condition for people under the age of 70
• Includes dental coverage
• Includes AD&D coverage
• Includes terrorism coverage

Safe Travels USA – Cost Saver Insurance

The Safe Travels Cost Saver offers the following benefits:

• Comprehensive coverage
• Within PPO Network: The plan covers 100% up to the policy maximum.
• Outside PPO Network: The plan covers 80% of the first $5,000, then 100% up to the policy maximum
• Includes coverage for people up to 89 years old
• Includes coverage for the acute onset of a pre-existing condition (up to $1,000 of eligible medical expenses)
• Includes dental coverage
• Includes AD&D coverage

Visitors Care Insurance

• Limited coverage
• Coverage for people aged up to 79 years of age
• Varying amounts of coverage depending on the policy maximum and medical procedure.
• Policy maximums of $25,000, $50,000 and $100,000.
• Coverage for people 80-99: Policy maximum of $10,000
• Offers coverage for the acute onset of a pre-existing condition (depending on the policy maximum)
• Does not offer dental coverage
• Does not offer AD&D coverage

How to Buy US Travel Insurance for My Parents?

In the United States, you must buy health insurance from a commercial company. There are numerous plans available, each with a different type and amount of coverage, so do your homework before selecting one. Comparison markets such as Insubuy allow you to compare and purchase health insurance plans for your parents.

Should I Get Visitors Insurance for My Parents Visiting Me in the USA?

Due to the high cost of healthcare, parents visiting the US should buy health insurance. Elderly parents,  who are more prone to sickness.

If your parents are sick and are uninsured, their medical bills could reach tens or hundreds of thousands of dollars.

If your parents are moving to America permanently, you must get them Green Card health insurance.

What Are the Types of Health Insurance for Visiting Parents?

There are two main types of health insurance that your parents can look for:

• Fixed-coverage health insurance. This will only cover a fixed amount of your medical bills, and you will have to cover the rest of it. If this “fixed amount” is low while the medical bill is high, then you will have to pay a pretty substantial amount from your own pocket.
• Comprehensive-coverage health insurance. This health insurance plan pays a percentage of your medical bills up to a particular amount, then 100% up to the policy maximum. For instance, it pays 80% of the first $2,000 and 100% until the policy maximum ($50,000, $70,000, $100,000, etc.).

What is Included in the Visitor Health Insurance Plan for my Parents?

All insurance companies cover certain medical procedures to varying degrees. Compare visiting health insurance policies for your parents to find the best fit. Most health insurance policies cover these medical procedures:

• Consultation with a doctor
• The cost of the hospital room
• The cost of prescription drugs and medicine
• Surgical procedures
• Emergency services, such as the ambulance and ER
• The cost of lab tests and X-rays
• Physical therapy

Some, but not all, also cover the following:

• Dental
• Maternity/pregnancy
• Pre-existing conditions
• AD&D (accidental death and dismemberment)

You can compare visitor health insurance plans for parents coming to the US at Insubuy