Getting a travel insurance for parents visiting the USA can provide valuable coverage, offering protection against various unforeseen situations. This coverage typically includes medical emergencies, trip cancellations, baggage loss, and other potential travel-related issues.
In this guide, we’ll explore the importance of such insurance and the factors to consider when choosing the right policy for your parents’ trip to the USA.
What is insurance for parents visiting the US?
Imagine your parents’ excitement when they come to know about their US travel plans. Give them a comfortable trip – it’s the least you can do for your parents who took the utmost care of you in your childhood. Many immigrants want to share their experiences and success story with their parents. Some parents choose to stay for an extended period while others prefer to come for a shorter duration. Under both circumstances, your parents need to get insurance before traveling to the United States.
Insurance for parents visiting the USA
Unprecedented medical emergencies can spoil the fun and create a hole in what may otherwise be sweet memories. Medical costs in the US are on the higher side when compared to other countries. A simple visit to the doctor can add to the financial burden of you and your family member. With insurance for parents visiting the US, you can stay happy, and at peace knowing that your parents are covered for unexpected events.
Why do parents need visitor insurance?
If your parents are visiting the US to meet and stay with you, it’s advisable to buy visitor’s insurance with adequate coverage throughout their stay. Based on individual needs, you should buy a comprehensive policy that will cover emergency medical care, emergency medical evacuation, and the onset of pre-existing conditions.
What type of insurance should you look for?
The type of insurance you purchase depends upon the cost of the policy and the premium. If you’re financially able, it’s advisable to buy a comprehensive plan for your parents. A comprehensive plan provides greater coverage and more benefits compared to a limited coverage policy.
Should you buy a single policy for both parents rather than individual policies?
If both your parents are visiting the United States and you have to buy policies for both of them, there are no benefits in combining two policies into one. Though you will not gain monetarily from buying separate policies, it will come in handy if either of your parents has to leave early or you want to cancel one of the plans.
How much policy maximum is appropriate?
Depending on their age and length of stay, choose the policy maximum. As a golden rule, the more the policy maximum, the better it will be for your aged parents. A policy maximum of $100,000 is an appropriate amount.
For age 70 years and above – Most of the companies will offer coverage of a maximum of $50,000 and a few companies can provide coverage ranging from $60,000, $100,000, and $250,000.
For age 80 years and above – You will face many restrictions if your parents are above 80 years of age.
Can an immigrant purchase policy for their parents?
Yes, an immigrant and working professional can fill out the application form on behalf of their parents and pay using a debit or credit card.
What happens when parents travel without insurance?
People who have signed a sponsorship document or are guarantors are liable to pay for the medical bills of the parents. To get more information, it is best to contact a legal advisor.
Which type of insurance should you buy for parents who are likely to stay at home most of the time?
Irrespective of what your parents are planning to do, unprecedented events can occur at any location at any point in time. If your parents are more likely to stay indoors, you may buy a policy with a higher deductible or a lower policy maximum for travel medical insurance.
Whom can I contact if I want more information on insurance for visiting parents?
Our team specializes in creating customized insurance for parents visiting their children in the US. Our knowledgeable and licensed customer service staff is available to answer your queries. You can contact us by calling the phone number on our website or by emailing us.