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Best Visitor’s Health Insurance for Parents Visiting the USA

Here are the best visitor’s health insurance plans for your parents visiting the USA.


Having your parents visit you in the USA is an exciting experience and providing them with the right health insurance is essential to ensure their safety. The USA has some of the highest health care costs in the world, so it is important to select a travel medical insurance policy that offers comprehensive coverage and protects you from financial losses.

There are many visitor insurance plans available in the USA, but it is important to choose one that best suits your needs and budget.

Here are the top plans for parents visiting the USA.

Beacon America

Beacon America travel insurance for parents visiting USA offers comprehensive coverage for non US citizens age 0-99 traveling to USA and traveling outside their home country.

The policy provides coverage for a minimum period of 5 days up to maximum of 364 days. After the deductible, it covers 100% up to the policy maximum, which includes coverage for an acute onset of pre-existing conditions for people up to 79 years of age. It also includes dental coverage and AD&D coverage.

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The plan covers 80% of the first $5,000 and 100% up to the policy maximum.

It has policy maximums ranging from $25,000 to $1,100,000 for persons under the age of 70 years and for seniors in the 70 to 79 age group, the policy maximum choices are $25,000 or $50,000; while for 80+, it is limited to $12,000.

It also provides coverage for COVID-19 (Coronavirus) just like any other eligible medical condition that occurs after the effective date of the policy up to $100,000 maximum, or the policy maximum (whichever is lower).

Beacon America participates in United Healthcare PPO network, which is a very well-known PPO network and therefore, provides high acceptance all over the U.S. for direct billing providing cashless convenience.

It is underwritten by Lloyd’s, which is the largest and oldest insurance marketplace in the world with over 300 years of successful history.

The benefits provided by Beacon America include comprehensive coverage, cashless convenience, coverage for an acute onset of pre-existing conditions, and AD&D coverage. It is important to note that the plan provides higher coverage compared to other similar plans.

When it comes to visitor insurance for parents, Beacon America is an ideal choice as it offers great coverage at an affordable price. Parents visiting the US should purchase health insurance to cover unexpected medical expenses, as healthcare costs in the US are among the highest in the world.

Overall, Beacon America is a great option for parents visiting the US, as it offers comprehensive coverage, reliable protection, and excellent customer service.

Patriot America Plus Insurance

  • Comprehensive coverage
  • Available for people up to 79 years of age
  • Covers 100% up to the policy maximum, after deductible.
  • Acute onset of pre-existing conditions for people up to 79 years of age.
  • Includes Dental & AD & D coverage

Patriot America Plus Insurance is a top plan for parents visiting the USA from outside countries. It offers a variety of features to meet their needs and provide them with reliable, comprehensive coverage.

Some of the key features of this insurance include:

  • Emergency Services:
    Coverage for local ambulance, natural disaster evacuations, return of mortal remains, and return of minor children.
  • Accidental Death & Dismemberment:
    Coverage for accidental death or dismemberment of the insured person.
  • Dental Treatment:
    Coverage for any dental treatment needed while traveling.
  • Emergency Eye Exam:
    Coverage for emergency eye exams, if needed.
  • Lost Luggage:
    Protection to ensure reimbursement in case of lost luggage.
  • Identity Theft:
    Assistance in case of identity theft.
  • Pet Return:
    Assistance in case of pet return in an event of an emergency.
  • Prescription Medication:
    Coverage for prescription medications.
  • Acute Onset of Pre-Existing Conditions:
    Coverage for sudden onset of pre-existing conditions.
  • Local Ambulance:
    Coverage for local ambulance services.
  • Natural Disaster Evacuation:
    Coverage in the event of a natural disaster evacuation.
  • Return of Mortal Remains:
    Coverage for the return of mortal remains in the event of death.
  • Return of Minor Children:
    Assistance in the return of minor children in the event of an emergency.
  • Freedom to Seek Treatment:
    Freedom to seek treatment with hospital or doctor of your choice.
  • Multilingual Customer Service Centers:
    Access to international, multilingual customer service centers.
  • Claims Administrators:
    Claims administrators who process claims worldwide, in virtually every language and currency.
  • CFAR Coverage:
    Coverage for trip cancellations, missed connections, delays, CFAR, and more.
  • Duty of Care Obligations:
    Meet your duty of care obligations with confidence, knowing your travelers are safe, healthy, and connected wherever they may be in the world.
  • Real-Time Alerts and Intelligence on Safety, Health, Political, and Other Global Risks:
    Keep your travelers safe, no matter where they are, with real-time alerts and intelligence on safety, health, political, and other global risks.
  • Travel Insurance Coverage:
    Coverage designed to protect you from financial losses should your trip be delayed, interrupted, or canceled.
  • Plan Maximum Limits and Deductible Options:
    A wide range of plan maximum limits and deductible options are available for a minimum of five days up to a maximum of two years.

Safe Travels USA

  • Comprehensive coverage
  • Within PPO Network: Covers 100% up to the policy maximum.
  • Outside PPO Network: Covers 80% of the first $5,000, then 100% up to the policy maximum
  • Coverage for people up to 89 years old
  • Coverage for acute onset of pre-existing conditions
  • Includes Dental & AD&D coverage

Safe Travels USA travel insurance for parents visiting the USA provides comprehensive coverage, including medical emergencies, trip cancellation, trip interruption, delays, medical evacuation, and lost, damaged, or stolen luggage.

The plan is extendable for up to 24 consecutive months and covers 100% of expenses up to the policy maximum when within the PPO network.

It also includes a $5,000 trip interruption benefit, $1,000 lost baggage benefit, $25,000 accidental death and dismemberment benefit, $2,500 mental or nervous disorders benefit, and $50 per visit per day physiotherapy/physical medicine/chiropractic benefit (up to 10 visits per policy period).

Additionally, the plan offers $200 co-pay for emergency room illness with no direct hospital admission, and usual customary charges to the selected medical maximum for emergency room injury/accident or illness with direct hospital admission. Furthermore, the plan covers COVID-19 expenses and has a choice of policy maximums starting at $50,000.

INF Elite

INF Elite travel insurance for parents visiting the USA offers a range of features to ensure their safety and well-being. It provides comprehensive coverage for unexpected sickness or injury and includes limited pre-existing condition coverage.

It also covers medical expenses up to a limit of $100,000 and pre-existing maximums of at least $15,000. Additionally, the plan provides coverage for chronic and/or pre-existing diseases, including hospitalization and prescription drugs.

Furthermore, it covers medical evacuation in the event of a medical emergency. It also covers trip cancellation, trip interruption, delays, and lost, damaged, or stolen luggage.

However, it is important to note that vouchers purchased after arrival are subject to a 5-day waiting period for new sickness coverage and a 15-day waiting period for COVID-19 Coverage. To avoid waiting periods, vouchers must be extended before expiration.

Overall, INF Elite Travel Insurance for parents visiting the USA offers a range of features to ensure the safety and well-being of the visitors.

Comparison – INF Elite v/s Safe Travels USA – Which is a better plan?

When it comes to comparing INF Elite travel insurance and Safe Travels USA travel insurance, it is important to consider the coverage offered by each plan. INF Elite is a comprehensive insurance plan that covers pre-existing medical conditions.

It offers coverage for hospital room and board up to $2,000 per day with a maximum of 30 days per period of coverage, return of mortal remains or cremation/burial up to $25,000 with a maximum of $5,000 for cremation/burial, and emergency medical evacuation up to $50,000.

On the other hand, Safe Travels USA travel insurance offers coverage for acute onset of pre-existing condition up to the policy maximum for age up to 69 years, $35,000 for age 70-79 years, $15,000 for age 80-89 per policy period subject to the sub limits, common carrier accidental death and dismemberment up to $35,000 principal sum, and emergency medical evacuation up to $100,000.

In terms of price, INF Elite tends to be more expensive than Safe Travels USA. The average cost of the USA travel insurance with covid coverage for INF Standard Insurance Insurance is higher than that of Safe Travels Elite Insurance.

Therefore, when it comes to cost, Safe Travels Elite Insurance is a better option.

When deciding which plan is the best for you, it is important to consider your needs and budget. If you are looking for an affordable plan that offers comprehensive coverage, then Safe Travels USA travel insurance is the better option. However, if you need a plan that covers pre-existing medical conditions, then INF Elite is the better choice.

How to Buy US Travel Insurance for Parents Visiting USA?

It is important to get visitors insurance for parents visiting the United States. Without this coverage, foreign visitors could face financial trouble if they’re injured or ill during their stay. To cover your parents during their visit, you should purchase a travel medical insurance plan.

When selecting a plan, consider the age of the parent and the duration of the trip.

You can buy health insurance plans for your parents through comparison marketplaces such as Insubuy. The most popular policies include Beacon America, Patriot America Plus Insurance, Atlas America, and Liaison Travel Choice. Many of these plans are extendable and refundable.

These plans provide short-term health care coverage for visitors to the U.S., with deductibles, copays, and provider networks that work like traditional U.S. health insurance.

Fixed-coverage plans offer limited coverage at a low cost, while comprehensive-coverage plans provide better coverage but cost more. Coverage for trip cancellation and interruption is also available.

Travel medical insurance typically covers inpatient and outpatient services, emergency medical services, dental care, and prescription medication. If your parents are planning a permanent move to the U.S., they should instead look for health insurance for Green Card holders.

It is important to compare the various plans, considering the desired policy maximum and deductible, type of insurance wanted, budget, and comfort level. Prices will vary depending on the plan chosen, but the average cost is between 4-12% of the total trip cost.

Overall, it is highly recommended to get travel medical insurance for parents visiting the United States, as it will provide peace of mind in case of any medical emergencies.

What Are the Types of Health Insurance for Visiting Parents?

Visiting parents can purchase travel medical insurance, or visitors medical insurance, from U.S. companies to cover their stay in the U.S. This short-term travel health insurance is important for foreign visitors since the U.S. has some of the highest health care costs in the world.

The best types of health insurance for visiting parents include comprehensive coverage policies with a higher policy maximum.

These comprehensive coverage policies have more benefits and offer more extensive coverage than limited coverage policies. Furthermore, they may provide coverage for acute onset of pre-existing conditions and emergency medical evacuation.

For a comprehensive coverage policy, it’s recommended to choose a policy maximum of at least $100,000.

However, if the parents are over 70 years of age, many policies may only offer coverage with a policy maximum of $50,000 or $60,000. Additionally, there are policies that may provide coverage for costs up to $250,000, but there may be more restrictions.

On the other hand, short-term medical insurance is a great option if you decide to opt out of your parents’ coverage for any reason. This type of plan allows you to choose a deductible, coinsurance, and term of coverage and covers unexpected illness and injury–not wellness or preventative care.

Overall, it is highly recommended to purchase health insurance for visiting parents due to the high cost of health care in the U.S. With the right policy, parents can be covered in case of a medical emergency and have peace of mind during their visit.

What is Included in the visitor’s health insurance plan for parents?

Visitor’s health insurance plan for parents includes a variety of coverage benefits, limitations, and exclusions depending on the policy purchased.

Common coverage includes trip cancellation and interruption, travel medical coverage, personal accident insurance, and coverage for acute onset of pre-existing conditions. The policy maximums vary depending on the length of stay, age, and activities in which the parents are participating.

Generally, a $100,000 policy maximum is ideal. Comprehensive coverage policies offer more extensive coverage and typically include coverage for emergency medical evacuation, making it an ideal choice for parents visiting the U.S.

It is also important to note that you cannot add your parents to your own health insurance, and you may be liable for any unpaid medical bills your parents incur during their U.S. visit if you are sponsoring them.


I'm an Entrepreneur, Blogger & Mentor. Having lived in the USA for almost 7 years, I got bored and returned back to India. While doing so, created this website as a way to curate and journal my experiences. Today, it's a movement with a large community behind it. I hope this website helps NRIs planning to move back to India, make their transition smooth and easy. Feel free to ask any questions you may have. Happy to help!

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