Author: Mani Karthik

What Coverage Amount Do You Really Need for USA Visitor Insurance?

Karthik called me last year, genuinely puzzled. He was buying visitor insurance for his mother – her first trip to the US. He’d pulled…
Fixed vs Comprehensive Visitor Insurance: Which One Should You Choose?

Ramesh messaged me a few months ago. His parents were visiting from Pune for 10 weeks. His father is 68, has mild hypertension. He’d…
How to Choose the Best Visitor Insurance for Parents Visiting USA

Anand messaged me last week. His parents were coming from Hyderabad for three months. His father is 68, has mild hypertension. His mother is…
How Visitor Insurance Works in the USA (Step-by-Step Claims Process)

Vikram had done everything right. He’d bought a visitor insurance plan for his mother before she flew in from Chennai. Good coverage, decent deductible,…
Visitor Insurance vs Travel Insurance: What’s the Difference?

Deepa was confused. She’d spent 45 minutes on an insurance comparison site and had two tabs open – one showing “travel insurance” plans, another…
Why Healthcare in the USA Can Bankrupt You (And What It Means for Your Parents’ Visit)

Suresh called me on a Sunday afternoon. His father had slipped in the bathroom of their New Jersey apartment. Nothing dramatic – just lost…
Is Travel Insurance Mandatory for USA Visitors in 2026?

Rajan messaged me last month. His parents were about to fly to California to meet their new grandchild. He’d been planning the trip for…
What is Visitor Insurance for USA? (Explained for NRIs Bringing Parents)

Priya called me one evening, completely panicked. Her mother had just been rushed to the ER in New Jersey. Chest pain. Turned out to…
Back to India NRI Community Survey (2025-26)

I’ve been running the BacktoIndia community since 2017. Over the years, I’ve had thousands of conversations with NRIs who are planning their return, in…
How To Choose a Financial Advisor (And Avoid Costly Mistakes)

A few months ago, someone in our WhatsApp community shared a painful story. He had hired a “financial advisor” recommended by a friend. Within…