Are Your Parents Visiting the USA? Here Is Why They Need Travel Insurance

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If you plan to get your parents to visit you in the USA, then you should prepare for their arrival. One of the most vital things is getting health insurance for them. Purchasing visitor insurance for parents can help cover unexpected incidents that may arise during their visit.

Is visitor insurance mandatory for parents visiting the USA?

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Although it is not required by law, due to the high cost of medical care, it is strongly recommended to obtain health insurance for parents visiting you in the USA. Visitor insurance is especially vital for elderly parents, who are more likely to get sick.

If your parents get sick during their visit and are uninsured, medical bills can quickly add up to hundreds and thousands of dollars, based on the medical care they need.

If your parents are joining you in the USA permanently, then you should get them health insurance for green card holders.

What types of health insurance are available for visiting parents?

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There are two primary types of health insurance available for parents:

  • Fixed coverage health insurance: It covers only a certain amount of your medical bills, and you must pay the rest. If this “fixed amount” is low while medical bills are high, you will have to pay a substantial amount out of your pocket. Typically, in such plans you get to know your out-of-pocket maximum only after you get the bills.
  • Comprehensive coverage health insurance: After the deductible and co-insurance has been met, the comprehensive health insurance will then pay 100% up to the chosen policy maximum for the eligible expenses. For example, the policy will pay 80% of the first $5,000, then 100% up until the policy maximum. ($25,000; $50,000; $100,000, etc., depending on the policy maximum you have purchased.)

What is included in the visitor health insurance plan for parents?

Source:parentinghealthybabies.com

There is a set of medical procedures that all insurance companies cover, with varying degrees depending on the plan. When choosing a visitor health insurance plan for your parents, compare different plans to see which one is best for your parents’ needs. Generally, all health insurance plans cover the following medical procedures:

  • Consulting a doctor
  • Cost of the hospital room
  • Cost of prescription medicines
  • Surgical procedures
  • Emergency services such as ambulance and ER
  • Cost of lab tests and X-rays
  • Physical therapy
  • AD&D (Accidental Death & Dismemberment)

Some, but not all, include the following:

  • Dental
  • Complications due to Maternity/Pregnancy
  • Acute onset of Pre-existing conditions

What are the top travel insurance plans for parents visiting the US?

Patriot America Plus Insurance

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Patriot America Plus offers the following benefits:

  • Comprehensive coverage
  • Within the PPO (Preferred Provider Organization) network: Covers 100% up to the policy maximum.
  • Outside the PPO Network: Covers 80% of the first $5,000, then 100% up to the policy maximum for all the eligible expenses.
  • Includes dental care for injuries and sudden pain.
  • Coverage for acute onset of pre-existing conditions for individuals up to 69 years of age.

Safe Travels USA Comprehensive

Safe Travel USA Comprehensive offers the following benefits:

  • Comprehensive coverage
  • Within the PPO network: The plan covers up to 100% up to the policy maximum for all the eligible expenses.
  • Outside PPO Network: Covers 80% of the first $5,000, then 100% up to the policy maximum.
  • Coverage for acute onset of a pre-existing condition (up to $1,000 for eligible medical expenses)
  • Coverage for individuals up to 89 years of age
  • Includes dental care for injuries and sudden pain
  • Includes AD&D coverage

Visitors Care Insurance

  • Limited coverage
  • Coverage available for individuals up to 99 years of age
  • Policy maximums options of $25,000, $50,000, and $100,000.
  • Coverage for individuals 80-99 years old: Policy maximum of $10,000
  • Coverage for acute onset of a pre-existing condition (based on the policy maximum)
  • Provides limited dental coverage for injuries
  • Provides coverage for common carrier accidental death coverage

Atlas America

  • Comprehensive coverage
  • Offers deductibles from $0 to $5000 and policy maximums ranging from $50,000 to $2,000,000
  • Coverage for acute onset of a pre-existing condition
  • Coverage for individuals up to 79 years of age and over
  • Widely accepted PPO network
  • Covers a wide range of medical needs, including emergency medical evacuation, adventure sports, evacuation, etc.
Source:cdc.gov

There are many travel insurance plans available for parents visiting the USA. It is best to talk to a licensed professional before purchasing to ensure that it is the best fit for your parents’ age, health, and duration of stay in the USA. You can compare and buy the best visitor insurance for parents.


Ricardo is a freelance writer specialized in politics. He is with foreignpolicyi.org from the beginning and helps it grow. Email: richardorland4[at]gmai.com

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