Are your parents planning to visit you in the US for the first time? Are you curious and over-excited? Have you made all the arrangements to make their visit a memorable one? Have you planned a good visitor medical insurance for your parents? This guide will show you exactly how to get the best Insurance for your Parents needs?

How can it help to secure their visit? If not, then this article is for you. Let’s find out everything about visitor medical insurance.

You might have many questions on the Visitor Insurance and you might be asking suggestions from your friends or Social media forums. But Now you are covered by reading this post if you have questions like below:

Which is the best visitor insurance in USA?

How can a visitor get health insurance in USA?

How much visitor health insurance cost?

What are the Plans available for medical insurance

Which travel insurance is best for USA from India?

Is medical free in USA for my Parents

Is it mandatory to have travel insurance for USA.

Lets Deep dive about Visitor Insurance starting from buying process.

Where to Buy Visitor Medical (Coverage) Insurance Plans for Parents (or any visitors)

Now, it’s time to discuss, where should these medical insurance plans be purchased. The answer is quite simple. There are hundreds of insurance websites available which have tie-ups with multiple insurance providers with varying premiums and services.

The best websites which can help you in purchasing medical insurance for your parents are listed below.

  1. Visitorscoverage.com
  2. Insuby.com

1. Visitorscoverage.com

This platform is indeed the most popular to buy & compare various insurance plans. This website has more than 35 insurance plans to choose from with varying premiums.

The customer support of this web portal is also outstanding. Additionally, their website has a video library with helpful tutorials. That is how they assist users in understanding some tricky insurance terminologies. Please click here to read our exclusive coverage about Visitorscoverage.

2. Insuby.com

Another good source for comparing and purchasing various insurance plans is insuby.com. They also provide multiple options for insurance plans with varying premiums and coverage. 

For further help, you can call insubuy.com support.

They also have blog posts to help customers understand insurance scenarios and terms. Click here for More details.

Now, Lets proceed with

What is Visitor
Medical Insurance?

What is visitor medical insurance? Why and how to get it? In addition to this, the added benefits, and much more. So, spare some time to read it to make your parent’s visit a safer and healthful one.

Also known as visitor health insurance, a short-term travel medical insurance policy that is purchased by travelers visiting abroad.

visitor medical insurance

It provides coverage in case of any accidental injury which may occur during the stay. You can get a short-term health plan in the US for your relatives, especially for parents visiting the US.

Why Buy a Visitor Medical Insurance Plan for Parents?

When you come to know that your parents are visiting the US to see you after a long time, your joy and thrill would be beyond description.  Before their visit, you have a well laid out plan in your mind.

It might be regarding the facilities you would provide to them during their stay. Moreover, you would plan the places they should visit, the restaurants they would dine in and the hotels they would stay.

But what about their health? Shouldn’t it be given prime importance? Undoubtedly, as parents grow old, they are more prone to health-related risks.

What if, god-forbidden something terrible happens to them? What if they fell ill or face any accidental injury? It is also quite natural as anything unorthodox can happen anytime.

So, what is your back up plan against that? Indeed, you cannot stop anything from happening. But yes, being a good administrator, you can handle that in the best possible way to avoid any further damage.  

Therefore, to deal with such situations is to make necessary arrangements beforehand to avoid any inconvenience. That’s where these visitor medical insurance plans for parents come into play.

Why US Medical Insurance Plans for Parents?

We
all know that the quality of health care in the US is amongst
the best in the world
. But as it is said, “you have to lose
something to get another thing
.” So, these medical facilities come at
a pretty high cost.

Even a simple doctor visit could become a severe financial burden. So, it is always recommended to purchase parents health insurance plans beforehand.

How to Choose the Best Visitor Medical Insurance Plan for Parents

Once decided to purchase, the next challenge is to choose the best visitor medical insurance plan for parents. There are plenty of medical insurance plans available for Indian Parents visiting the US.

But you should select the best insurance plan among all available plans after thorough research. You should keep in mind certain vital factors while choosing the best medical insurance plan.

Factors for Choosing Health Insurance Plan

Some of these factors are listed below:

  • Maximum coverage limit
  • Deductible
  • Coverage of pre-existing conditions
  • Cost
  • Above all, availability in your local area

While choosing a policy, keep this thing clear in mind that there are outstanding health facilities already available in the US. But the problem is that they are very costly. So, a good health insurance plan should save a handsome amount of your money at the end.

Technical Terms Involved in Insurance Plans

Before going into the details of the medical insurance service providers, I would like to explain some technical terms here. These are necessary for you to know once you have planned to purchase the best visitor medical insurance plan for parents.

So, try to read these terms again and again as these will assist you in purchasing a good plan.

1.Deductible

When we talk about insurance plans, the deductible is the amount paid by the policyholder before the insurance provider pays any amount or expenses. The insurance companies use this term as a threshold for policy payments.

2. In and Out of Network Insurance.

Another technical term used by the insurance companies is In Network and Out of Network Insurance. Firstly, Out of Network means that the doctor does not have any contract with your health insurance company. Whereas, In-Network means that your provider has negotiated a contracted rate with your health insurance company.

3. PPO Network

Many insurance plans have the advantage of having a Preferred Providers Network (PPO). PPO means that if you go to specific doctors that lie within the PPO Network, you will absolutely get a much-reduced rate.

However, you are not forced to visit the doctors within the network. Moreover, the Providers within the PPO Network tend to bill the insurance company directly, instead of asking the member to pay upfront.

3. Fixed or Comprehensive Coverage plan

In a fixed coverage plan, you get limited coverage. Also, the entire coverage amount is predetermined for each type of medical service procedure.

In contrast, comprehensive coverage plans offer percentage-based coverage, which is dependent on the insurance plan you choose. Depending on conditions they usually cover 75 % to 100% of the bill after the deductible is satisfied.

Choosing the Best Visitor Medical Insurance Plan for Parents

Now it’s time to discuss the best visitor medical insurance plans, especially for Indian parents and selecting the best from them. A shortlist of these plans is listed below:

Patriot America
Plus (PA+)

PA+ is ‘A’ ranked insurance plan, which provides excellent and comprehensive insurance services. Moreover, Patriot America Plus is the best known medical insurance plan. It facilitates not only health coverage but also emergency services to individuals or families traveling outside their home country.

The cost of the plan ranges about $215, which involves the coverage of 100K for one month for a single person aged up till 60 years. On the other hand, the maximum coverage this plan provides can go up to $500,000.

Once
the deductible is satisfied for treatments within the PPO Network, the
insurance plan pays 100% up to the policy maximum. For the treatments
outside the PPO Network, the plan pays 80% for the first $5000. After that
100% for each sickness or accidental injury.

In this plan, a $25 copay is applied for urgent care visit while $15 copay applies to Walk in Clinics. The insurance plan also provides many facilities to the patients.

Facilities Provides by Patriot America Plus

  • Physician visit
  • Urgent care
  • Surgical treatment
  • Medicines
  • Lab & X-rays
  • Hospital Room
  • Hospital Intensive Care Unit (ICU)
  • Ambulance Expenses
  • Emergency Room
  • Dental Services
  • Traveling
  • Above all, handles up to $50,000 terrorism coverage

The rules
and regulations of PA+
state that the coverage must begin within six months
of arrival in the U.S for someone who is below 65 years of age. While for
someone older than 65 years, coverage must start within 30 days of arrival in
the U.S. 

This plan is renewable as well as
cancellable. It is renewable by paying a $5 fee each time you renew. It
is cancelable as per the following conditions:

  • A full refund of amount if canceled before the policy start date.
  • Prorated refund after start date only provided that no claims have been made.
  • $50 cancellation fee applies if canceled after the start date.

The plan also provides 24/7 emergency service through its customer care. It is known to have the best customer support.

medical insurance for indian parents

Drawbacks of PA+

  • It does not cover Maternity Expenditures.
  • It does not include a general or routine physical checkup.
  • Above all, the plan is not applicable for in Maryland, New York, and Washington.

Atlas America Medical Insurance Plan for Parents

Atlas America is also ‘A’ ranked quality and comprehensive insurance plan. The objective of Atlas America is the same, i.e., providing medical coverage and emergency services to Non-US citizens.

Furthermore, the cost of this plan ranges from about $191 for coverage of 100K for one month for a single person aged 60. Also, the maximum coverage this plan provides can vary till $2M

Once
the deductible is satisfied, Atlas America plan pays 100% up to policy maximum,
both for travel within and outside the USA.

Atlas America plan provides coverage for acute onset of pre-existing conditions. In addition, Atlas Travel insurance plan helps protect you from most potential disasters. It also offers emergency medical evacuation, coverage for loss of baggage, and a bunch of other packages!

In short, the plan offers a $200 co-pay within the US for Emergency Room (ER), if not hospitalized. It also provides $15 co-pay for urgent care and walk-in clinic facilities.

Facilities Provided by Atlas America Plan

  • Physician visit
  • Urgent care
  • Surgical treatment
  • Medicines
  • Lab & X-rays
  • Physical Therapy
  • Hospital Room
  • Hospital Intensive Care Unit (ICU)
  • Ambulance Expenses
  • Emergency Room
  • Accidental Emergency
  • Dental Services
  • Traveling
  • Above all, handles up to $50,000 terrorism coverage

Last but not least, the plan is renewable or cancellable. You can renew it by paying a $5 fee for each renewal. The policy provides 24/7 emergency help through its customer care centers.

Drawbacks of
Atlas America

  • It is unavailable in Maryland, New York, and Washington.
  • Also, it does not cover Maternity Expenditures.
  • This plan cannot be purchased for travel to or from Australia or by Canadian Citizens.
  • It does not include a general physical full checkup.
  • You can not buy this plan for traveling to or from North Korea, Iran, and Cuba.

Cover
America-Gold

Cover America gold is yet another ‘A’ class comprehensive visitor medical insurance plan for parents. This plan provides medical insurance coverage and emergency services for Non-US residents to the USA. Additionally, it covers trips to Canada, Mexico, Bahamas, Latin America, and South America.

The cost of this plan ranges from about $119 for coverage of 100K for one month for a single person aged 60. Also, the maximum coverage provided by this plan is up to $1M. 

Once the deductible is satisfied, in the US the plan pays 100% up to policy maximum within the PPO Network. Moreover, Outside the PPO Network, the plan pays 80% for the $5000 and 100% after that for each sickness or injury.

Cover America-Gold has extensive PPO Network in the USA under the United Health Care. It offers an urgent care consultation copay of $20-$25 depending on policy maximum.  

Facilities Provided by the Cover Gold Plan

  • Physician visit
  • Urgent care
  • Surgical treatment
  • Medicines
  • Lab & X-rays
  • Physical Therapy
  • Hospital Room
  • Hospital Intensive Care Unit (ICU)
  • Ambulance Expenses
  • Emergency Room
  • Dental Services
  • Traveling

In short, the plan is renewable by paying $5 fee each time you renew within 364 days. It is cancellable and offers a full refund if canceled before policy effective date.

The plan provides 24/7 emergency
assistance through its customer care services.

Drawbacks of
Cover-America Gold

  • It does not cover Maternity Expenditures.
  • This plan does not cover general physical full checkup expenses.

Liaison Travel Choice for Indian Parents

Liaison Travel choice a remarkable ‘A’ class comprehensive insurance plan. It is also the best visitor medical insurance plan for parents. It provides medical insurance coverage along with emergency services to individuals and families traveling outside their home country.

In this plan, once the deductible is satisfied, within the PPO Network, the plan pays 90% for the first $5,000 and 100% after that towards eligible covered expenses up to the policy maximum. Outside the PPO Network, the plan pays 80% for the first $5,000 and then 100% up to the policy maximum.

Facilities Provided by the Liaison Travel Plan

  • Physician visit
  • Urgent care
  • Surgical treatment
  • Medicines
  • Lab & X-rays
  • Physical Therapy
  • Hospital Room
  • Hospital Intensive Care Unit (ICU)
  • Ambulance Expenses
  • Emergency Room
  • Dental Services
  • Traveling

Above all, the plan is renewable and cancelable as per plan policies. You can renew this plan by paying a $5 fee each time you renew within 12 months. It offers a full refund if canceled before date.

The plan also provides 24/7 emergency assistance through its extensive customer care centers.

Drawbacks of
Liaison Travel Choice

  • It does not cover Maternity Expenditures.
  • This plan does not cover general physical full checkup expenses.
  • Furthermore, it does not offer any copay.

Choice America

Choice
America insurance is a limited travel medical insurance plan. This plan
has fixed a pre-defined limit for each medical service. Though this plan offers
many facilities, they are limited based on the expenditures. It offers a
certain fixed amount for each service and treatment.

Furthermore, the cost of this Choice America plan ranges from about $65 for coverage of 100K for one month for a single person aged 60. Also, the maximum coverage offered by this plan covers about $100K. 

Choice America offers coverage for border entry denial. It also provides coverage for adventure sports and amusement park injuries.

Facilities Provided by Choice America Plan

  • Physician visit
  • Urgent care
  • Surgical treatment
  • Medicines
  • Lab & X-rays
  • Physical Therapy
  • Hospital Room
  • Hospital Intensive Care Unit (ICU)
  • Ambulance Expenses
  • Emergency Room
  • Accidental Emergency
  • Dental Services
  • Traveling
  • Above all handles up to $50,000 terrorism coverage

This plan is also renewable and cancelable. You can renew it by paying $5 for each renewal only before the policy expires. This insurance plan offers 24/7 emergency assistance through its customer care.

Drawbacks of
Choice America

  • It offers pre-defined and fixed amount for each treatment.
  • It does not include any PPO Network.
  • The plan is not comprehensive; rather it is fixed.
  • It does not offer copay.
  • This plan does not provide services in Maryland.
  • It does not cover maternity expenditures.
  • Above all, it provides limited pre-existing condition coverage.

Pro-tip (Avoid
Insurance from Indian Providers)

Indian companies like ICICI Lombard, TATA AIG, HDFC Ergo, etc. also offer medical insurance for tourists visiting the USA. But the pro tip is that you must avoid buying from them.

Indeed they do not have any tie-ups with medical providers of USA.  You are required to pay the cost upfront and reimburse the cost later. Undoubtedly, reimbursements are painful and frustrating.

In short, you should buy an extraordinary visitor medical insurance plan for your parents. Though finding a good insurance plan is a big challenge, but thorough research and consultation would help.

In short, conduct proper research, visit the companies and look for the most suitable medical insurance plan. That’s how you can make their visit a memorable and safer one.

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