Home
Indians
Indian parents to USA

Best medical insurance for parents visiting USA from India

Best health insurance for parents visiting USA from India - An overview

Parents visiting the US or Canada need the best medical insurance for parents visiting usa from india cover given the high health care costs here. Parents being elderly are vulnerable to needing medical care since they are in an unfamiliar location. Fill the above form and get the best visitor medical insurance for parents visiting USA quotes and choose the best visitor insurance for parents visiting USA from India.

Testimonials - From Our Customers

After rigorous searching for suitable student health insurances online, I stumbled upon the American visitor Insurance.
Know more »

Anirudh

We really thank American insurance team for providing great assistance in taking the insurance. We were successfully.
Know more »

Yogesh

Thank you American Visitor Insurance customer service for meticulously following through. I truly appreciate it.
Know more »

Meenakshi

More testimonials »

Visitors Insurance for Indian parents to USA

There is a large community of Indian Americans in the US who often have their parents visiting from India. The USA offers a wide range of experiences for Indian parents visiting the country. They need to obtain a tourist visa (B-2) and plan their itinerary accordingly. Along with spending time with their children and grand-children, Indian parents can explore iconic cities, natural attractions, and cultural landmarks during their visit to the USA. When parents are visiting the USA, it is however crucial to have the best US parents travel health insurance coverage.

Health care in the United States is extremely expensive, and this health insurance for parents visiting USA provides financial protection and access to medical services in case of illness or emergencies during their stay. It is recommended to compare the best US visitors insurance for parents offered by reputed US insurance providers on American Visitor Insurance.

travel insurance for parents visiting USA

You can compare Parents visitor insurance for USA based on the price and coverage options. The important factors to consider are their age and any existing medical ailments. Keep in mind the medical expenses, emergency medical evacuation costs in the US are very high. Purchase a parents travel insurance for USA policy that suits the specific needs of your parents and provides comprehensive coverage for their visit to the USA.

Travel insurance tips for travelers with pre-existing conditions

Here are some travel insurance tips for travelers with pre-existing conditions

Choose a travel medical insurance plan that covers pre-existing conditions.
Read the policy carefully to understand what is covered and what is not.
Be aware of waiting periods for coverage of pre-existing conditions.
Consider purchasing a US foreign national health insurance policy with higher coverage limits.
Take a copy of your medical records and a list of medications with you when you travel.
Be sure to take your prescription and medication with you during your trip.
Learn how to access healthcare at your destination.
Contact your US foreign health insurance provider immediately in case of any medical emergency.
Disclose all pre-existing conditions when purchasing visitor health insurance.
Follow all necessary procedures to submit a claim for reimbursement of medical expenses.

What is visitors insurance for pre-existing conditions?

There are several visitors insurance plans available for international travel. However, many travel insurance and visitors insurance plans exclude pre-existing conditions. This means that a travel insurance plan will not cover the costs of treating a pre-existing medical condition. Therefore, the insurance company may deny a claim if the ailment already existed when the travel insurance was purchased. However, there are some travel medical insurance plans that offer coverage for pre-existing conditions and the policy clearly defines a look-back period and what is covered for pre-existing conditions, as well as specifying a limit to this coverage.

Some travel health insurance plans like Atlas America, Patriot America Plus offer coverage for the acute onset of a pre-existing conditions, ie, when there is a sudden medical emergency without any prior symptom that needs to be treated immediately. The coverage typically includes emergency medical treatment, hospitalization, and evacuation expenses related to the acute onset of the pre-existing condition. INF insurance however has the INF Elite insurance plans which cover pre-existing conditions going beyond the acute onset coverage. It is important to compare visitors insurance for pre-existing conditions both for the price as well as the specific details for pre-existing conditions coverage as well as review the policy brochures for exclusions and coverage limits before making a decision.

How does travel insurance for pre-existing conditions work?

The travel health insurance plans which cover pre-existing conditions have clear definitions of what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions, and if it provides full coverage for pre-existing conditions the coverage limit within the policy for pre-existing conditons. Any travel health insurance coverage for pre-existing conditions will depend on all these.

Factors to consider while purchasing visitors health insurance for pre existing conditions?

The following are important factors for buying travel insurance for pre-existing conditions

The definition of pre-existing conditions and the look back period under the policy.
The eligibility age limit for pre-existing conditions coverage.
Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
The coverage limit for pre-existing conditions which is different from the policy medical maximum.
The deductible and out of pocket expenses for pre-existing conditions coverage.

Why is travel health insurance for pre-existing conditions coverage important?

There are many international travelers who have medical ailments and it is important for them to be well informed about visitors insurance for pre-existing conditions. Many of the regular travel insurance plans exclude any coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing. At American Visitor Insurance, we offer plans which do offer coverage for acute onset of a pre-existing condition, as well as full coverage for pre-existing conditions up to a clearly defined limit in the policy document. All of these details can be better understood by using our facility for comparing visitors insurance for pre-existing conditions.

Pre-existing conditions coverage - FAQ's

Unfortunately, this simple question has a fairly complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance that can cover pre-existing conditions and even plans that are travel medical only without cancellation often are more generous in their coverage of pre-existing conditions. These plans may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.

Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. There are only two policies we know of that offer coverage for pre-existing medical conditions. They are INF Premier and INF Elite plans.

Firstly, they define pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.

INF Elite (also INF Elite 90) are comprehensive plans offering fairly complete coverage. INF Premier is a fixed plan. Find details on these plans here.

The above plans must be purchased for at least 90 days and can be quite pricey for seniors, but they offer the only real coverage for chronic conditions.

The other option, of course, is to take a plans with little ($1K) or no coverage for pre-existing conditions and take a risk that that condition will not flare up during the trip.

INF plans boast they offer "full" coverage for pre-existing conditions. This can be a little misleading. Firstly, any regular treatment or medication that is required by the condition is never covered. The main advantage to the INF Elite and INF Premier is that they cover sudden illness/injury regardless of whether it is pre-existing or not. The only difference is that a pre-existing condition will be covered with a higher deductible at at a lower maximum than any other "new" illness or injury. However, coverage is not limited to an emergency or life-threatening situation.

The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms). A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset.

The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.

Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.

Full Pre-existing means we will cover any issue regarding a pre-existing condition, however, if one is traveling to the United States solely for medical treatment, that will not be covered. INF plans do not cover any medical tourism related claims. Pre-existing conditions under the INF plans are covered with a higher deductible and a lower maximum than other illnesses or injuries. These are chosen or specified when you purchase you plan.

Yes, the INF policies will cover any pre-existing issue that the traveler may have during their stay in the United States. This includes blood pressure, diabetes, kidney related issues and arthritis, all of which are covered by the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper, Hop Trip Assist Plus Plans.

The insurance company takes on an enormous risk by insuring individuals and including coverage for pre-existing conditions without any prior medical examination. Under the INF plans, you are paying more, but you are getting the full value for the money you pay given the very high cost of US healthcare. With the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper, Hop Trip Assist Plus Plans, even though it is expensive, you can have the comfort of knowing that you are covered for any emergency or contingency. This peace of mind given the expensive US healthcare expense is what makes INF plans worth it despite being expensive.

The list of covered services under Visitors insurance full pre-existing conditions coverage can be found on the American Visitor Insurance website of the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper, Hop Trip Assist Plus Plan pages. INF plans are open to green card holders

NEED HELP?
Contact our customer service team
We are here to help you!

(877)-340-7910

Click to send an email

INF travel insurance for parents visiting USA from India

INF travel insurance is popular among Indian parents visiting the USA. INF plans are ideal travel insurance for Indian parents visiting USA as it provides accident & sickness coverage as well has pre-existing conditions coverage that is especially important for parents and older travelers visiting family in the United States or Canada.

INF Premier Insurance:
- COVID-19 Medically necessary testing & treatment covered as any other new sickness
- Pre-Existing Complications from COVID-19 Covered
- Covers All new medical conditions
- Minimum Enrollment of 90 Days
- Fixed Benefit Full Pre-Existing Coverage
- Covers age up to 99 Years
- Covers accident & sickness while traveling to USA, Canada, and Mexico
Plan Details Brochure Buy Now
INF Elite Insurance:
- COVID-19 Medically Necessary Testing & Treatment covered as any other new sickness
- Pre-Existing Complications from COVID-19 Covered
- Covers All new medical conditions
- Minimum Enrollment of 90 Days
- Comprehensive Full Pre-Existing Coverage
- Direct Billing with Multi-plan Network
- Covers accident & sickness while traveling to USA, Canada, and Mexico
Plan Details Brochure Buy Now
Safe Traveler USA Insurance:
- COVID-19 Medically Necessary Testing & Treatment covered 100% as any other new sickness with no cost sharing
- Direct Billing may be available from Multiplan Health Network PPO providers
- Covers eligible accident & sickness (excluding pre-existing conditions) while traveling to USA, Canada, and Mexico
- Available for non-US citizens ages 0-99
Plan Details Brochure Buy Now
INF Elite Plus Insurance:
- COVID-19 Medically Necessary Testing & Treatment covered as any other new sickness
- Covers Preventive & maintenance care and coverage for full body physicals.
- Coverage for TDAP, Flu, etc Vaccines.
- 90% of eligible medical expenses.
- Stable pre-Existing conditions are covered as new sickness.
- Covers accident & sickness while traveling to USA, Canada, and Mexico.
- There is a minimum purchase of 90 days required to buy this plan
Plan Details Brochure Buy Now
INF Elite 90 Insurance:
- COVID-19 Medically Necessary Testing & Treatment covered as any other new sickness
- Covers 90% of eligible medical expenses
- Comprehensive plan with full pre existing condition coverage which is unique.
- Pre-existing complications from covid-19 covered
- There is a minimum purchase of 90 days required to buy this plan
- Covers accident & sickness while traveling to USA, Canada, and Mexico
Plan Details Brochure Buy Now
INF Traveler USA 90 Insurance:
- COVID-19 Medically Necessary Testing & Treatment covered as any other new sickness
- Covers 90% of elgibile medical expenses
- This is a comprehensive plan too but does not cover pre existing condition
- Minimum purchase of 30 days is required for this plan
- Covers eligible accident & sickness (excluding pre-existing conditions) while traveling to USA, Canada, and Mexico
- Covers accident & sickness while traveling to USA, Canada, and Mexico
Plan Details Brochure Buy Now
INF Standard Insurance:
- COVID-19 Medically Necessary Testing & Treatment covered as any other new sickness
- Covers All new medical conditions including Virus Related Sickness
- Fixed-Benefit Plan for Parents visiting the USA
- Available for all Non-US Citizens
- Fixed-Benefit Plan which covers all Age Groups 0-99+
- Covers accident & sickness while traveling to USA, Canada, and Mexico
Plan Details Brochure Buy Now

Indian parents in USA - Frequently Asked questions

At American Visitor Insurance, we pride ourselves on working with reputed, competitive insurance companies who offer excellent prices and service for their (and our) clients. All insurance companies are rated by an outside independent agency and get a "grade" which focuses on the company financial solvency and health. You can compare these ratings (we use AM Best ratings on our website) to compare insurance companies.

Another factor to consider is whether to purchase insurance from your own country or one from the US. A benefit of using an US-based company, particularly if you are traveling to the US, is that you can get direct billing with the provider and so, only have to pay your deductible and your portion of the bill instead of the entire amount up front. Foreign companies may make you pay all costs up front and then you will have to submit a claim upon your return to your home country.

This can hold up your reimbursement significantly. Also, the US company will pay US dollars to your provider which, generally speaking, is a fairly strong currency. The specific answer for you may be different than for another due to your specific situation and concerns. We provide easy access to comparison of plans by price and benefits to aid you in finding just the right fit for you! If you are overwhelmed by all the information we present, we also have friendly licensed agents which can assist you by phone or email. Customers can compare and buy best travel health insurance for parents visiting USA.

For some visitor insurance for parents traveling to usa, and in some situations, yes, there is an age limit. For example, if you want a global medical policy, you must apply before you are over 65 years old. However, many short term travel health insurance policies are available for people of any age. What changes as you get older, particularly for people over 70, is the maximum available for you.

Most travel health insurance for parents visiting USA from India only offer $50,000 or less maximum coverage to customers 70+. If you are not seeing visitor insurance for parents traveling to usa on our website, lower the maximum coverage available and you may see more options for you to buy the best travel insurance for parents visiting the U.S.

Many visitors insurance for parents do have a price difference between age 64 and 65. However, for persons under 70 years of age, they still get many great benefits and a wide range of maximum policy coverage limits available to them. Check out the best travel insurance for parents visiting the U.S. over 65 years to explore your options!

Absolutely! There are many policies that we offer that are available as visitor insurance for parents traveling to usa over 80 years. You may have to reduce your maximum limit (we suggest choosing range between $26,000 to $50,000 to see the most options), but you should be able to find a good visitor health insurance for parents visiting USA from India. We offer the best travel Insurance for Parents Visiting USA over 80 years from top insurance providers.

American Visitor Insurance works with reputed US travel insurance providers to give parents traveling to the USA a wide range of travel insurance options. We have nearly two decades experience in understanding the diverse requirements of parents visiting the US and in offering appropriate travel insurance options to them. Our typical customers range from older parents visiting family in the US to students, working professionals on H1B or J1 visas to US citizens traveling overseas who are looking for Covid travel insurance with quarantine coverage as mandated by certain countries.

Our licensed dedicated customer support team provide service at all times helping customers find the most appropriate senior citizen travel insurance for their needs as well as guide them when using the insurance in the event of a medical or travel emergency. We also provide answers to all international travel insurance for parents questions, reviews of different products, testimonials for customers as well as provide an user friendly travel insurance comparison tool where senior citizen travelers can compare different products based on price as well as the coverage benefits. All of these tools help parents make an informed decision while buying travel insurance.

If you have sponsored your parents visit and have completed the I-134 Form during their visa application, then you can be held responsible for any medical bills. The I-134 form is an Affidavit of Support declaring to the U.S. government that the visa applicant, in this case your parents, will be financially supported by the sponsor (you) in the United States. This is to remove the risk of the visa applicant from becoming a public charge (financial liability) to the US government. As the sponsor, you will be responsible for any living and healthcare expenses of the visa applicant while in the United States.

In the event that the visitor visa holder needs healthcare services, the healthcare provider can hold you who provided the I-134 form, ie 'Affidavit of Support' responsible for any medical bills that are not paid by the visitor to the US. Given the high US healthcare costs it is important that you as the sponsor ensures that any parents has best health insurance coverage as long as the I-134 Affidavit of support is valid. At American visitor insurance, we have excellent US travel health insurance for visitors visa applicants.

An Affidavit of Support is enforceable until the visa applicant either becomes a US citizen, or is credited with 40 quarters of work (which is typically 10 years).

Yes, you can buy visitors travel insurance for your parents when they are visiting the USA. All you need is their travel dates, and information from the passport such as the date of birth and passport number. There are many US travel insurance providers that offer coverage for international visitors which work very well for parents or relatives visiting the USA from India. When choosing a travel insurance policy for your parents, you should consider their specific needs and look for coverage for pre-existing conditions if they has existing medical ailments.

It's important to carefully review the policy details, terms and conditions before buying any travel insurance to ensure that it meets your specific needs and provides adequate coverage as you need it. You can compare different US travel insurance plans, benefits and coverage options from various travel insurance companies on American Visitor Insurance to find the best fit for your parents.

No, the cost of the insurance is the same whether you buy two independent plans or have one visitors insurance for both parents. Having separate plans however does offer greater flexibility should one of your parents travel back to your home country early. It is prudent and important to compare options from different providers on American Visitor Insurance so that you can find the best value for your money.

US parents visitor insurance is expensive for elderly parents due to their higher vulnerability to health issues, the very high cost of healthcare in the USA, and the level of coverage required for pre-existing conditions or other special medical needs.

While travel insurance is not mandatory for travel to the US, it is highly recommended, given the very high cost of US healthcare for visitors. Simply having good health insurance for visiting parents will significantly lower the hospital bills. The US insurance company preferred provider organisation (PPO) network healthcare billing is usually significantly lower than regular hospital bills without PPO network in the United States.

Visitors insurance provides important coverage and benefits, including medical expenses and emergency medical evacuation. It helps protect travelers to the US from unexpected events and provides peace of mind during their trip. Additionally, some types of US travel visas may require proof of medical insurance coverage. While it is currently not a legal requirement, having parents visitors insurance is strongly advised to ensure financial protection and assistance in case of any unforeseen circumstances during travel to the US.

Even for a short trip to the US, it is still advisable to have good parents visitors travel insurance. Unexpected events can happen at any time, and travel insurance provides financial protection and peace of mind. It can cover medical and travel related expenses. While not mandatory, having travel insurance for parents is a prudent choice to mitigate risks and ensure a worry-free visit to the US.

Yes, Non-Resident Indians (NRIs) can buy visitor insurance for parents or family members visiting the USA. Visitor insurance is designed to provide coverage for individuals traveling to a foreign country for a temporary period, including family members visiting from abroad. NRIs can buy visitors insurance for parents to ensure that they have adequate medical coverage and financial protection during their stay in the USA. It is recommended to compare the best health insurance for visiting parents on American Visitor Insurance and select a policy that meets the specific needs of the visiting parents.

Extending the US visitor visa for parents in the USA

The Covid-19 pandemic has stranded many parents in the US both for limited travel and visa options as well as parlous health conditions. International travel restrictions has forced many parents to change their travel plans even while on temporary or short term US visas. These parents have to extend or renew their visa status in order to stay longer in the US. The following is the procedure to extend the US short term visa:

Parents should complete the I-539 form for extension of a Non-Immigrant Visa
Parents should submit a letter stating the reason with detailed explanation for extension.
Parents should submit a copy of form I-94 that that he/she received on entry into the US
Parents should provide documentary evidence that the extended stay is temporary along with the booked return tickets
Parents should provide proof that the stay is completely taken care and he/she are financially covered and will not be a public charge in the United States.
Parents should confirm that if the applicant has received any state benefits after 11-Feburary-2020; they need to be supported with proof of documents separately. The applicant should not have accessed any monetary state benefits or supplementary income from state post this period.

Pay the required renewal fees

Pay $370 filling fees +$85 for biometric fees depending on the petition at the USCIS.

Visa extension processing

The USCIS will issue a receipt with 13-digit case number on submission of the extension application. Parents should provide this case number to check the status of the application and its processing times (customer service number helpline number is: 1-800-375-5283).

While parents are in the US in an unplanned situation thanks to the COVID pandemic, it is very important to buy the best Covid travel insurance for parents to secure them from unexpected illness. Travelers can compare popular travel insurance to buy good US visitor Covid insurance for parents.

Best insurance for parents visiting USA from India – Forum

Dear Sir/Madam,

My mother is already in the US. I am looking to buy an insurance for her. I was wondering if I can purchase the INF plans?

Regards,
Mohammad

Dear Mohammad,

Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!.

If the person is already in the US, then they cannot purchase the HOP plans offered by INF. They can purchase any of the other INF plans, but there will be a 5 day waiting period for any new sickness and 15 days for Covid-19. It is also required for customers in this situation to send an I94 and health attestation form signed and dated.

Please let us know if you have any more questions.

Regards,
Sincerely,
www.americanvisitorinsurance.com
(877) 340 7910

Best health insurance for parents in USA

Travel medical insurance for senior citizen

Know more »

Travel insurance for seniors over 60 years

Know more »

Travel insurance for seniors over 65 years

Know more »

Travel insurance for seniors over 70 years

Know more »

Travel insurance for seniors over 75 years

Know more »

Travel insurance for seniors over 80 years

Know more »

Travel insurance for seniors over 90 years

Know more »

Popular Older traveler insurance providers

Expertise in offering travel insurance
20+ years!

Customers from
All U.S. states!

Customers from over
180 countries!

Best medical insurance for parents visiting USA from India

Compare and buy US travel insurance

Best health insurance for parents visiting USA from India - An overview

Testimonials - From Our Customers

Anirudh

Yogesh

Meenakshi

Visitors Insurance for Indian parents to USA

Travel insurance tips for travelers with pre-existing conditions

What is visitors insurance for pre-existing conditions?

How does travel insurance for pre-existing conditions work?

Factors to consider while purchasing visitors health insurance for pre existing conditions?

Why is travel health insurance for pre-existing conditions coverage important?

Pre-existing conditions coverage - FAQ's

NEED HELP?Contact our customer service teamWe are here to help you!

(877)-340-7910

Click to send an email

INF travel insurance for parents visiting USA from India

Indian parents in USA - Frequently Asked questions

Extending the US visitor visa for parents in the USA

Pay the required renewal fees

Visa extension processing

Best insurance for parents visiting USA from India – Forum

Best health insurance for parents in USA

Popular Older traveler insurance providers

Older traveler insurance for USA categories

Disclaimer

NEED HELP?
Contact our customer service team
We are here to help you!