Best Travel Insurance For Parents Visiting USA

Alright, folks! Buckle up, because wading through the ocean of travel insurance options can feel like you’re trying to find a needle in a haystack—especially when jet-setting to the USA, land of the free and home of… well, seriously pricey healthcare.

Whether you’re flying solo or have your folks along, this guide’s got you covered.

We’ve diced, sliced, and served the nitty-gritty on a platter, making it as spicy as a Bollywood dance number.

Especially for those heroes looking out for their parents’ trip to Uncle Sam’s turf. Dive in!

Top 3 Visitors Insurance Plans for US Visitors

Insurance PlanCoverageCostSpecial Features
Atlas Travel InsuranceUp to $2MVaried based on age and coverageCoverage for Acute Onset of Pre-existing Conditions
Patriot America PlusUp to $500kVaried based on factorsCoverage includes acute onset of pre-existing conditions for visitors under 70
Safe Travels USA ComprehensiveUp to $1MAge-based pricingExtensive PPO network and direct billing

Recommendation: Cross-check the specifics of each plan from the official insurance provider’s website or government regulations.

Regular Visitors Insurance v/s Insurance for Parents Visiting USA

When it comes to travel insurance, one size definitely doesn’t fit all—especially when we’re talking about our beloved parents visiting the USA.

Think of regular travel insurance as a standard umbrella, handy for those unpredictable rain showers. But travel insurance tailored for parents?

That’s akin to an all-weather, reinforced canopy ready for the occasional storm.

Our older generation, with their wisdom and a lifetime of experiences, often come with a set of unique health needs and risks that younger travelers might not face.

They might be more prone to sudden health issues, require specific medications, or need accessibility assistance. Plus, considering the soaring healthcare costs in the USA, even a minor hiccup can drill a Grand Canyon-sized hole in one’s pocket!

Hence, specialized travel insurance for parents ensures they get a custom-fit protective layer, addressing their specific needs, and allowing them to make the most of their American sojourn without a wrinkle of worry!

Best Insurance for Parents Visiting USA

Now, let’s look at travel/visitor insurance plans exclusively for parents visiting USA.

Visitors insurance for parents visiting the USA has more customized benefits for the aged traveler than regular folks visiting USA.

Check out the following plans and you’ll know why.

1. Patriot Platinum Insurance

For the Golden Agers Who Want Nothing but the Best!

Patriot Platinum Insurance for US Visitors

Why It Rocks

Think of Patriot Platinum as the “Rolls Royce” of travel insurance for seniors.

It’s top-notch and tailored meticulously to cater to the diverse health needs of our beloved older folks.

It’s not just insurance; it’s a promise that age is just a number when you’re traveling.

Features You’d Love

Ever worried about those sneaky pre-existing conditions that most insurances give the side-eye? Fret not!

Patriot Platinum boasts an extended acute onset of pre-existing conditions coverage.

This means if Dad’s old shoulder injury acts up while he’s taking a selfie at the Grand Canyon, he’s covered.

2. CoverAmerica-Gold

The Golden Middle Path of Safety & Affordability!

Best Travel Insurance For Parents Visiting USA

Why It’s a Winner

Balancing a tight budget with the wish to offer the best for your parents can be a circus act.

But with CoverAmerica-Gold, it’s like hitting a travel insurance jackpot! It’s pocket-friendly and doesn’t skimp on the essentials. A win-win.

Features to Brag About

How many insurance plans do you know that cover international travel mishaps and offer protection right at the border entry? Not many, we bet.

Plus, if Mom decides to take a detour to Canada or Mexico, this plan’s got her covered too!

3. Liaison Travel Plus

Because Modern Problems Require Modern Solutions!

Best Travel Insurance For Parents Visiting USA

Why It’s on the List

In the era of hand sanitizers and masks, traveling for the elderly can be nerve-wracking. Enter Liaison Travel Plus— an insurance that understands the modern traveler’s woes and ensures that the pandemic doesn’t rain on their parade.

Features That Shine

The standout? COVID-19 treatment isn’t a footnote; it’s covered just like any other ailment.

So, if Aunt Rita is worried about catching more than just a travel bug, this plan is the perfect antidote to her fears.

There you have it—three solid options to ensure your parents’ US adventure is as smooth as that famous American peanut butter!

Best Visitor Insurance for Parents Over 70

Atlas PremiumInbound USAPatriot Platinum
Comprehensive Coverage
Flexible Deductible Options
Covers Pre-existing Conditions
Network of Providers
Scheduled Benefits
Pre-existing Conditions
Pocket-friendly
Enhanced AD&D
Extensive Coverage
Pre-existing Conditions
Emergency Medical Evacuation
Repatriation
BuyBuyBuy
  1. Atlas Premium Insurance:
    • Why it shines: Designed with the golden agers in mind, Atlas Premium doesn’t just stop at covering the usual. Recognizing that our superheroes of yesteryears might have specific health challenges, this plan extends its protective shield beyond the basics.
    • Highlight Features: Offers acute onset of pre-existing condition coverage, emergency medical evacuation, and even coverage for complications of pregnancy, just in case grandma feels a touch too youthful!
  2. Inbound USA Insurance:
    • Why it’s a favorite: It’s like that old reliable friend who’s got your back when things get tough. With a focus on high-priority medical conditions, it’s for those who want the security without the extravagant frills.
    • Highlight Features: Includes acute onset of pre-existing conditions, accidental injury treatments, and even dental coverage for that accidental fall on the apple pie.
  3. Patriot Platinum Insurance:
    • Why it’s in the elite list: Think of it as the luxury sedan of insurances – smooth, comprehensive, and reliable.
    • Highlight Features: Along with its extensive coverage, it has a PPO network, meaning parents can choose from a vast range of hospitals and doctors. Plus, there’s direct billing, so no out-of-pocket at first!

Best Visitor Insurance for Parents Over 80

  1. Patriot America Insurance:
    • Why it’s exceptional: As age progresses, the need for an all-encompassing safety net increases. Patriot America ensures that the octogenarians aren’t just covered; they’re enveloped in a cocoon of medical safety.
    • Highlight Features: Besides the standard, it offers coverage for sudden recurrences of pre-existing conditions, ensuring that age-old ailments don’t dampen the spirit of travel.
  2. Liaison Travel Insurance:
    • Why it’s a top pick: It’s like a gentle handhold guiding the elderly through the maze of medical eventualities. It’s not just about the big things; it’s about the little things that matter.
    • Highlight Features: Emergency reunions, return of mortal remains, and even political evacuation. Also, offers a benefit period, so if a condition starts during the trip, it can be treated after returning!
  3. Safe Travels USA Insurance:
    • Why it’s a must-consider: For the sensible souls who want a balance – not too bare, not too extravagant. It’s like the perfectly brewed cup of chai – just right.
    • Highlight Features: Offers coverage for acute onset of pre-existing conditions, provides an emergency medical evacuation, and has a PPO network, ensuring a range of medical facilities at one’s disposal.

How to Choose Visitor Insurance for Parents Visiting the USA? Which Policies to Consider

Understand their medical needs

Before you even start, it’s crucial to gauge the health condition of your parents. Are they battling chronic illnesses? Do they require frequent medical check-ups? By understanding their health scenario, you can prioritize what features are non-negotiable in the insurance policy.

Coverage for Pre-existing Conditions

Many older individuals have pre-existing conditions. Not every insurance plan covers the acute onset of these conditions, but some do, and at various levels. If this is crucial for your parents, focus on policies that offer such coverage.

Policy Maximum and Deductibles

Every insurance policy will have a maximum coverage limit, and often, you can choose the deductible. While a higher deductible often results in a lower premium, it also means higher out-of-pocket costs when making a claim. Decide on a balance that’s financially comfortable for your family.

Duration of Stay

If your parents are planning an extended stay, it’s wiser to opt for a renewable policy. This way, if they decide to extend their stay, they’re not left without coverage.

Direct Billing

Some insurance providers require you to pay the medical bills upfront, which they reimburse later. Others can bill the medical service provider directly. The latter can be especially helpful in emergencies.

Repatriation and Medical Evacuation

You never know when emergencies can strike. Ensure the insurance you choose covers repatriation and emergency medical evacuations.

Policies to Consider

While the best policy largely depends on individual needs, Patriot Platinum Insurance, Inbound USA Insurance, and Liaison Travel Insurance have been vouched for by many when it comes to comprehensive coverage for parents visiting the USA.

Steps to Purchase Visitor Insurance for Parents Visiting the USA

1. Research & Compare

Dive deep into the various offerings on insurance aggregator websites. Platforms like VisitorsCoverage and InsureMyTrip can be great starting points.

2. Consult with your parents

Understand their comfort levels and needs. They might have preferences or concerns you hadn’t considered.

3. Read Customer Reviews

Reviews can give insights into the claim process, customer service, and real-world use of the policy.

4. Get Quotes

Once you’ve narrowed down your choices, get a quote for each. You might be surprised at how prices can vary even for seemingly similar coverage.

5. Check the Fine Print

Policies might exclude certain things or have waiting periods. Ensure you’re fully aware of all terms and conditions.

6. Purchase

Once you’re satisfied with your choice, proceed to purchase. This often involves filling a detailed form about the traveler’s health and travel details.

7. Documents

Post-purchase, you’ll receive a confirmation email with essential documents. Print these out and ensure your parents have copies before they fly.

8. Stay Informed

If there are any changes in their travel dates or duration, inform the insurance provider. Adjust the coverage dates if needed.

FAQs

1. Why is travel insurance crucial for parents visiting the USA?

Travel insurance is vital for parents visiting the USA because of the high healthcare costs in the country. An unexpected illness or accident can lead to significant expenses. Having insurance can provide peace of mind and financial protection.

2. Are pre-existing conditions covered by visitor insurance?

Some visitor insurance plans do cover acute onset of pre-existing conditions up to a certain age or under specific conditions. However, it’s vital to read the policy details to understand the scope of coverage for pre-existing ailments.

3. Can I purchase insurance for my parents after they’ve already arrived in the USA?

Yes, you can purchase insurance after your parents have arrived, but it’s advisable to buy it before they start their journey. If bought later, there might be waiting periods or exclusions for the initial days of the coverage.

4. Is visitor insurance only for medical emergencies?

While medical emergencies are a significant component, many visitor insurances also cover trip interruption, loss of baggage, emergency evacuations, and more, depending on the chosen policy.

5. What should be the minimum coverage amount for visitor insurance?

Considering the high healthcare costs in the USA, it’s advisable to opt for a minimum coverage of $100,000. However, if your budget allows, policies with a higher coverage amount can offer even better protection.

6. What happens if my parents need to extend their stay in the USA?

Many visitor insurance plans offer the option to renew or extend the coverage period. Ensure you notify and renew the insurance before the original end date.

7. Are there visitor insurance plans specifically designed for older individuals?

Yes, there are plans tailored for senior travelers, taking into account their unique health needs and risks. These plans often include coverage for acute onset of pre-existing conditions and other age-related issues.

8. Will the insurance cover COVID-19 related medical expenses?

Many modern visitor insurance plans do cover COVID-19 related medical expenses, but it’s always recommended to check the policy details or consult with the provider.

9. Can I get a refund if my parents’ trip to the USA gets canceled?

Most insurance providers offer a prorated refund if no claims have been made, minus a cancellation fee. The refund process and amount might vary based on the provider and policy terms.

10. How do I make a claim if my parents need medical assistance during their stay?

Start by notifying the insurance provider as soon as possible. Most providers have a helpline for this. They’ll guide you through the process, which usually involves filling a claims form and providing relevant documentation.

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Mani Karthik

About the Author

Mani Karthik

Entrepreneur, Mentor & Blogger.
I help business grow & scale. Have helped 15+ companies scale in US, Middle East and India.
I share everything I learned on this blog, so that you benefit. Here’s more about me.

84 responses to “Best Travel Insurance For Parents Visiting USA”
  1. Mani Karthik

    Thanks Sundar. Would you recommend any specific plan from INF?

  2. Sundar

    All the insurance plans mentioned in this article are useless if your parents have preexisting condition. Everything will be tied to preexisting condition and you will not be paid. I would suggest to go for INF plans. They are costly but you will have peace of mind on any unfortunate incident.

  3. Pavan

    What an amazing resource! Thanks for putting this together MK.

    I was looking to buy travel insurance for my parents visiting US, and found it very useful. You should add more info about claims if possible.

    Thank you.

  4. Mani Karthik

    Patriot America Plus, Priya.

  5. Priya

    Do you recommend patriot america plus or cover america gold?

  6. Mani Karthik

    Hi Bala, I’d recommend Atlas America, Patriot America Plus or Safe Travels. Please compare them. It’s usually unfair to be recommending anything without context but I’d let you be the judge. All the best! 🙂

  7. Bala Tadavarti

    I am looking to take health insurance for my parents in India , Do you have any suggestions as there ages are 55 and 60 years old ?

  8. Mani Karthik

    Thank you Shaku.

  9. Shaku Nair

    Hi Mani,
    Thank you so much for your time and effort in compiling this information for us all! It is very much appreciated! This is such a complex topic, and there is no answer that fits everyone. Yet you have tried to provide information that can be used by so many people. All best wishes to you!

  10. sneha

    Are you referring to a group who are part of a forum or everyone who has moved back 🙂
    I have immense respect for people who have moved back and running cool startups and contributing to the Indian ecosystem!

    What I meant was, in my first note, the travel insurance purchased from India, how are they compared to the ones purchased in US?

  11. Mani Karthik

    We have a bunch of folks in our return to India community Sneha.

  12. Sneha

    Hi Mani
    You are doing absolutely amazing work!
    Thankyou so much!

    I see great questions by everynoe as well about insurance plans in India
    I understand that its better to get coverage here

    However, do you have a post about folks who may have purchased insurance from India( ICICI, New India etc) in the last 2-3 years – just want to get perspective – thank you so much

    Best Regards
    Sneha

  13. Annie

    My mother-in-law is visiting the US from Pakistan and is 84. She does not have any pre-existing conditions and will be visiting for 4 months. Last year she visited and we used Safe Travels USA Comprehensive, but I don’t see that on your list anymore. Which plan would you recommend?

  14. Ganesh

    Hi Karthik,

    Useful article. I’m curious if you know who took one of the above plans (ex: Atlas America) and actually visited a physician here. For new and/or pre-existing conditions. Bcz, I see that everyone is taking the plans but not sure how effective these plans are.

  15. Mani Karthik

    You are correct Sirish.

  16. Mani Karthik

    Please call up VisitorsCoverage (or similar) insurance agent. They can help you with the details.

  17. Mani Karthik
  18. Mani Karthik

    Useful information Nilvisen. Thanks for sharing.

  19. Mani Karthik

    Hi Uday, This article (https://indiausatravel.com/travel-insurance-vs-medical-insurance/best-usa-travel-insurance/) should give you a good idea about the difference between travel and medical insurance.

  20. Uday

    hi Mani,

    Firstly, thanks a lot for this information.
    I have some confusion between travel insurance and medical insurance. Is one a subset of other?

    My parents are planning at visit in May. My mother has no pre-existing conditions, but my father is a diabetic. But both are relatively healthy (they are aged 58 and 60 respectively). I am not sure which one provides a good coverage. Do you mind providing your suggestion here.

    Thanks,
    Uday

  21. Nilvisen

    Dear Reader, cover america-gold have the undesired process of pre-Certification for inpatient treatment also (the main purpose of insurance is expense during a situation of being an inpatient).

    Coveramerica-gold is advertised highly in many review pages and the pre-certification for inpatient is not mentioned as disadvantage (even in this page, not even a single disadvantage for Coveramerica-gold). Beware !!

    In an emergency where you need an inpatient treatment would you wish to think about the recovery or the following list of activity as mentioned in the Coveramerica-gold insurance brochure ( https://www.visitorscoverage.com/brochure/coveramerica-gold-insurance-brochure.pdf ).

    Check 3rd point, will you ask a Doctor about recovery or will you ask a Doctor to FULLY cooperate with the insurance company at the emergency moment. According to insurance what does FULLY means, this one word is enough to reject your claim.

    To comply with the pre-certification requirements, you must do the following:
    1. Contact Seven Corners Assist at the telephone number on your ID card as soon as possible before the expense is incurred;
    2. Comply with Seven Corners Assist’s instructions and submit any information or documents they require;
    3. Notify all physicians, hospitals and other providers that this insurance contains pre-certification requirements and ask them to fully cooperate with Seven Corners Assist.

  22. Sal K

    Hi Mani,
    What about coverage for new immigrants. My parents are traveling soon on an immigrant visa. Their green card is approved. What plans/options would you recommend for an extended coverage (~3-5 months) on their upcoming visit?

  23. s p Gupta

    I saw the details. It provides information but could not find what I am looking for. Please suggest a plan for senior citizen age group 75-79 years with Pre existing condition covered. The coverage for pre existing condition should be sufficient for US condition.

    The plan premium should be economical.

  24. Sirish

    These are Visitors Insurance NOT Travel Insurance. Although many use this term interchangebly I think there is a clear distinction. You should consider renaming this title – “Which Is The Best Travel Insurance For Parents Visiting USA?”

  25. Puja

    Hi Prashant,

    My parents are planning to visit USA on june 2019.My father had also put stent on his chest,so i just wanted to know which insurance plan you had taken for them and is there any issue on plane during travelling.

    Thanks
    Puja

  26. Amol Tambe

    Can you please suggest any providers from usa which supports canada as well?

    thanks

  27. Mani Karthik

    I would suggest getting an insurance that covers Canada as well. I would avoid one from India as the chances of them not being accepted there is higher.

  28. Amol

    Hi karthik,

    My mother is visiting Calgary Canada for 6 months and we have plan to visit USA for a week or two.

    What would you suggest which insurance company based out of USA or Canada ?? Or any insurance company from india??
    I’m really confused, my mother is pretty healthy age 55 and don’t have any current issues or medication also did not had any major surgeries or illnesses

    Appreciate your response and help

    Thanks

  29. Mani Karthik

    Sandeep, in this case, I’d be very careful about what I choose. If I were you, I’d call up the customer care number to get a confirmation from the provider on whether or not his conditions will be covered. “Pre-existing conditions” is a grey area and I wouldn’t make any assumptions.

  30. Sandeep Ramachandran

    Hi Mani,

    My name is Sandeep. My parents are visiting this week. Dad is 70 and mom is 59. Dad had a surgery in his leg 4 months back and he is now recovering. Currently, he is under physiotherapy but can walk slowly. Dad also had diabetes. Mom does not have any preexisting conditions. They are here in US for 6 months. Which insurance would you suggest?

  31. Mani Karthik

    Prashant, I suggest you dire4ctly call up the provider to double check it. Reading any amount of documents online will not give you the accurate information. This is my experience.

  32. Prashant Patel

    Hi Mani,

    I have a question my Mother-in-law had breast cancer in 2013 She is fine now but are you aware of any insurance which will cover it along with it my Father-in-law had put the stent in the chest so I want one insurance company which cover there pre-existing condition.

    Thanks
    Prashant

  33. Mani Karthik

    Lukan, Atlas America is still popular although there are mixed reviews about it. I think one of the factors that goes into this is that people buy insurance for different purposes and individual choices are many. It’s a good plan that caters to many situations and hence the popularity. However, I agree that there are mixed reviews. I think it is up to the buyer to figure out if it is suited for his personal choice and requirements. Unfortunately, you cannot have a one suit fits all kind of a solution in this space.

  34. Lukan

    Atlas America has 1 star on yelp reviews (and people would have given it 0 stars if that was an option). What’s going on? You list them as a bestseller and those who purchased the plan had terrible experience. Any thoughts on this?

  35. Mani Karthik

    Not all Ansu, if I were in your position, I’d ask about it specifically to the support agent before buying a policy.

  36. Ansu

    Thank you Mani. Do these insurances cover delay in flights, cancellation and missed flights.

  37. Mani Karthik

    Hi Ansu,

    CoverAmerica Gold and Choice America are good options. If you are confused, call up an insurance agent like Visitors Coverage at 1-866-384-9104 and the experts there can help you find a plan that fits your requirements.

  38. Ansu

    Hi Mani,
    I came across your blog and it gives a very good description about travel insurance for USA. But finally I am confused after reading so many plans and benefits.
    Myself aged 58 years and my husband aged 65 will be travelling to Florida this December. We may be doing many road trips in Florida. Please suggest us a good travel insurance which is not very expensive at the same time covering emergency doctor visit and accident emergency . We do not have any pre existing medical problems. We will be staying there for 5 months.
    Please clarify.

  39. Mani Karthik

    The first few mentioned here are good in this case.Please check the details.

  40. Prij

    What would you suggest for parents aged 62 and 71; both in normal health, just want to buy something that takes care of emergency visits or a doctor’s visit if something comes up?

  41. Mani Karthik

    Thank you. 🙂

  42. Ramamoorthy

    Hi mani, what a great effort you have put in. Wealth of information . May God bless you!

  43. Mani Karthik

    Rachana, I would recommend you to take a look at policies that cover pre-existing conditions. (https://manikarthik.com/blog/best-visitors-insurance-for-pre-existing-conditions/india/nri/). At the same time, make sure that the conditions you want covered are indeed covered by the policy. A lot of people make the mistake of assuming that all conditions are covered by pre-existing conditions. They are not and only the ones that are listed is covered. Let me know.

  44. Rachana

    Hello Mr Mani,

    I am very happy to find your website with all the details pertaining to Visitor visa inquiries, which every child looking for their parents visiting them in US. Even my parents visiting US in November (during winters for 3 months) with mom aged 57 & dad 65. My mother is diabetic father as leg injury. As per your reference for the previous questions and based on the article, choice america is best option for aged parents with pre existing medical condition. I did read some article about about choice america but it indicates limited coverage of pre existing medical medical conditions. I dont want opt for the comprehensive plans coz only mom as high diabetic issue, I might/might not use the medical insurance. Considering winters (California) I am worried about her diabetic issues. Now I am totally confused, any suggestions from you is welcome

  45. Harish Pinisetti

    Hi Mani,
    First of all thank you for such a great article. My parents are 64, 65 and planning to visit U.S for 4 months from India. They both have preexisting conditions. Can you please suggest comprehensive insurance for them .

    thanks,
    hari.

  46. Mani Karthik

    I’d suggest CoverAmerica Gold Bala.

  47. Bala

    More I am seeing and more confusing I am getting into as my parents are diabetic in there 58 and 53 and I don’t want to take a chance ,Could you suggest which coverage is best ?

  48. Mani Karthik

    I’ll consider it Prithi. Thanks for the recommendation. 🙂

  49. Prithi Yadav

    This is so great. Thank you!
    I don’t suppose you could do a piece on health insurance options for parents while they are in India?

  50. Mani Karthik

    Hi Deepika, Thanks and glad you found the article useful. You already pinged me on WhatsApp so I guess I’ll continue the discussion there and help you out.

  51. Deepika M

    Hi Mani,

    First of all Kudos to you for writing such a brilliant piece that encourages discussion and provides such valuable information on various insurance plans for visitors coming to USA. Its so hard for someone who has never had to shop around for insurance to know what is good or not.
    I have been researching for good insurance plans for two of my aunts who are looking to travel to USA soon; one of them is 79 yrs old and the other is 81 yrs old.
    I read your blog and had done some of my preliminary research as well. What I am struggling with is getting a good comprehensive travellers insurance for my aunt who is 81 yrs old. They have pre-existing condition of diabetes mainly and touchwood they are in good health, however for my senior most aunt, I was looking for insurance that would pay the maximum should there be any issue and I am realizing that Safe Travels USA Comprehensive also just covers upto $25000 even if I would get a $100,000 worth of policy where pre-existing conditions were concerned. Now that wasnt making sense to me as if I am getting an insurance and paying a higher premium for getting a policy with pre-existing conditions, then is there a policy that you have come across that does better justice in terms of coverage for those over 80 with pre existing conditions. I know and have heard from my friends that Emergency Care in USA for visitors with just $25000 is barely anything.
    Any guidance and help from you will be appreciated. Thanks

  52. Mani Karthik

    That is sad to hear Rajiv. For clarity, can you tell me what exactly was the medical emergency? (If you don’t mind that is). It’ll be useful for others who are interested in taking Patriot America what is covered and not. Also, what exactly did you mean by hard time for claim? Is it that they didn’t acknowledge your claim at all or did they take too much time? Finally, what happened?

  53. Rajiv

    I got patriot america two times when my parents visited us both the times they had medical emergencies here and both times Patriot America gave a very hard time for claim so much so that eventually I just gave up. Has anyone had a good experience with them? I would not recommend them to anyone

  54. Mani Karthik

    Hi Rupa,

    Yes you can buy it but I won’t recommend you get it from India. The support and features are useless when in US. It’s better to get it from a US provider. More on it here – https://manikarthik.com/blog/buy-medical-insurance-india-usa-visiting-usa/money/immigration/

  55. Mani Karthik

    Hey Nat,

    I would suggest you consider CoverAmerica Gold or Patriot America Plus.

  56. Nat

    Hi MK,

    Which would you say is the best travel insurance to cover (hassle free claim) a short term (~1 month) visit from USA to India. Traveler is an Indian citizen working in USA?

  57. Rupa

    Hi! I just read very useful information about traveler’s insurance on your blog. My many relatives gets insurance from India before they come here. Does it work here? Please let me know.

  58. Mani Karthik

    Hi Sri,

    I suggest you check out comprehensive plans with pre-existing conditions coverage. Like CoverAmerica Gold, Atlas America, Patriot America etc. It’s tricky when it comes to pre-existing conditions, I usually recommend my friends to check with the provider first hand and not trust any other source.

  59. Mani Karthik

    Hi Mahesh,

    Have you checked out the ones I listed here? I don’t think it’s fair to suggest any one plan as each have their own benefits. Check out CoverAmerica Gold, Atlas America, Patriot America and ChoiceAmerica.

  60. Mahesh N

    Hi Mani,

    My mother will be traveling from India to USA, staying here for 6 months. She doesn’t have any pre-existing diseases. However, I don’t want to take any risk and want to take full coverage insurance which covers everything with a minimum deductible possible. Please suggest few companies or insurance plans which I opt for .

    Regards,
    NM

  61. Sri

    Hi Karthik
    Fantastic work on the article! We have family visiting in the U.S with pre-existing asthma and mild hearing loss and plan to get specialist doctors advice in San Francisco bay area. Any recommendation on visitor insurance with comprehensive network and coverage within the U.S?

    Thanks
    Srinivas

  62. era

    Thank you!

  63. Mani Karthik

    Hi Era,

    I would suggest “Safe Travels USA – Comprehensive”. Here are the details.

  64. era

    Hi Karthik.
    My in-laws will be visiting the US in June. My father-in-law is 83 and has pre-existing conditions. Can you please recommend a plan which has good coverage for seniors over 80?
    Thanks

  65. Mani Karthik

    Thanks Seshu. Corrected!

  66. Seshu

    Very Good stuff!!. Thank you. 🙂

    “In-depth review here” link under ICICI Lombard is pointed to HDFC.

  67. Mani Karthik

    Hi Nitin,

    That would depend on various factors. You could try and use the online calculator tool to get an estimate. It’d be unfair for me to quote an estimate without knowing the details. 🙂

    Hope your parents have a good time staying in the US.

    Here are some helpful articles they might like.

    1. Tips for Indian parents visiting US
    2. Checklist for Indian parents visiting US.

    Thanks!

  68. Nitin

    Thanks karthik , any guess how much could be premium under coverAmerica gold plan for one person? Knowing the range it varies would also help. They are planning to visit for a month

    Regards,

    Nitin

  69. Mani Karthik

    Hello Sir,

    1. I’d recommend Cover America Gold.
    2. Different companies work differently but previous health record would suffice. Although you might not need it at the time of buying the insurance.
    3. Yes, you can but it will take some time for you to get it. Meanwhile, I suggest you get temporary medical insurance.

    Please feel free to call up the corresponding insurance companies toll free number. Most of them are very well answered and will clear your doubts (with little nuances even).

    Wish you safe travels. Enjoy your stay! Feel free to ask if you have any doubts.

  70. Dr OP Dutt

    Dear Kartik
    Myself and my wife will be visiting SFO for 90days in first week of April We will be staying with our son and daughter who are Citizens
    I am 80 and my wife is 75
    We don’t have any prexiting problem No Heart Kidney Neuro Diabetes problems
    1 Which Insurance plan we should have 2 What proof we can we give If Companies say these were prexiting ??
    3 If apply and get Green card Will Obama care we can buy Premium for that and Advantage etc
    I am Internal Medicine Doctor MD from India

  71. Rajesh Gajjar

    Hi Karthik

    First of all, truly outstanding effort on your web site. It is impressive & extremely useful. My mother-in-law, who is already 75 years old is visiting from India. I am looking at Patriot America Plus Traveler’s Insurance and Liaison Continent International. Patriot America looks better in terms of coverage, but their benefit details document has pages & pages filled with legal hoops and legal protection. Cumbersome process to appeal a claim, legal matters has to be in Indiana, etc. None of this matters if they have a good track record of settling claims without subjecting claimants to undue hardship. Have you heard anything from people who had to submit claims due to medical issues? Any idea what it is like to deal with Patriot America?

    The Liaison Continent benefits document on the other hand has a lot less legal verbiage and disclaimers. Downside is that it seems to have a lot less, maybe non-existent coverage regarding pre-existing conditions for people over 70. Reading their benefits documents, it sounds like they may be easier to deal with in case of a claim.

    Regards,

    Raj

  72. Mani Karthik

    Hi Maruthi,

    I suggest you take insurance from US companies since they are much easier to work with and offer better services. Yes, ChoiceAmerica and Liaison Continent are good plans suitable for elders with pre-existing conditions and cover US and Canada. I would suggest both of these plans.

    All the best, wishing them a safe trip! Let me know if you have any questions. 🙂

  73. maruthi

    hi Karhik,

    I live in LA too. Thanks for your Blog. Lots of useful information. My mother-in-law is visiting us in Jan 2018, her trip is for 5 months. She is diabetic, which insurance is likely good for her. Last time when she visited we took ICICI lombard, but we don’t have much knowledge that how to visit a doctor when she had problem with her sugar levels. Is all insurance cover the LA hospitals like PPO plans? is there any idea>
    Of the note, if she is visiting canada, is there any insurance plan that covers US and Canada trips?!

    Thanks
    Maruthi

  74. Mani Karthik

    I will suggest you to check out Choice America. It’s a good plan for parents with pre existing conditions.

  75. Suman

    Which is the best travel insurance plan for parents aged 50+ and have pre existing conditions?

  76. Mani Karthik

    Hi Anand,

    It would be very unfair for me to say which one plan is best for you. You have to find the right one that suits you, but I can help. The thing is, there are several plans available to pick from, based on your requirements. Like how long the stay is, what kind of coverage you need, the age of your parents etc.

    And as you rightly mentioned, there are these third part websites that lets you choose a good plan filtering from the big list. Both Visitorscoverage and Insubuy are good websites that gives a lot of insights on which plan to choose from. Visitorscoverage is more popular but Insubuy has been around for a longer time. Some plans are common between the two as well. I’ll let you make the choice.

  77. Anand

    My parents are traveling from India to USA for 3 months. Which is the best insurance for them?
    Also, how reliable is Visitorscoverage v/s Insubuy? Which site is better?

  78. Mani Karthik

    Good find Ganesh, you are right. Info corrected. Thanks for letting know.

  79. MGR Ganesh

    MK, This is useful blog with good information! But the answer for the FAQ 2 is to b reviewed, as far as I know for a Permanent Resident/Green Card holder is NOT repeat NOT eligible to apply for any visa which will facilitate the parents to live permanently in US. Below is the extract from your link…..

    Bringing Parents to Live in the United States as Permanent Residents
    Eligibility

    To petition for your parents (mother or father) to live in the United States as green card holders, you must be a U.S. citizen and at least 21 years old. Green card holders (permanent residents) may not petition to bring parents to live permanently in the United States.

  80. Mani Karthik

    Hi Prasad,

    You just need your parents details like passport number etc. On the websites I mentioned, you can pretty much select and choose what insurance plan to buy and get it online, all in one go. You can then send the soft copies to your parents, who can carry it with them, taking a print out.

    All the best!

  81. Prasad

    Hi,

    How can I buy travel insurance online for my parents if they are in India?

  82. Mani Karthik

    Thanks Sir.

  83. MK Balakrishnan

    A very useful blog,especially for first time travellers to US.
    I appreciate the fund of information compiled by the blogger Mr.ManiKarthik
    with valuable inputs by Sruthi Menon.

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