Getting visitors insurance for parents from will help with any unforeseen incident that may occur 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?

You have to buy health insurance from a private company in the United States. There are countless plans, with different types and amounts of coverage, so you have to really do your research before you choose one. You can compare and buy health insurance plans for your parents through comparison marketplaces such as Insubuy.

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

Although it is not obligatory by law, due to the high cost of healthcare, it is strongly advisable to get health insurance for parents visiting you in the United States. This is especially important for elderly parents, who are more prone to sickness.

If your parents were to fall ill during their visit, and they are uninsured, the medical bills will quickly add up to tens or maybe hundreds of thousands of dollars, depending on the type of medical care they need.

If your parents are joining you in America permanently, then you have to get them health insurance for Green Card holders.

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 type of health insurance plan will pay a percentage of your medical bill up to a certain amount, then it will cover 100% up until the policy maximum. For example, it will pay 80% of the bill for the first $2,000 then 100% until the policy maximum ($50,000; $70,000; $100,000 etc. depending on what policy maximum you purchased.)

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

There is a set of medical procedures that all insurance companies will cover, although at varying degrees depending on the plan. When choosing a visitors health insurance plan for your parents, make sure to compare different plans to see which one will suit the needs of your parents the best. Usually, all health insurance plans cover the following 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)

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