Best visitors insurance for parents visiting USA from India is a high priority for sons and daughter that live in the US.
Within the past two decades, primarily due to the boom of the software industry, many people from India have found good careers and are settled in the US. Whether it is due to longer immigration processing wait, for cultural and social reasons or for any other reasons, most the parents of such professionals primarily live in India. However, they would like to spend time with their son or daughter and their immediate family. While some parents visit the US for a short duration, many of them typically are visiting the US for an extended duration, such as from four to six months or longer.
As the medical expenses are among the highest in the world, even if parents visiting from India were to get into a minor sickness, it could be a financial burden, without proper visitors insurance. Unfortunately, if there were to get into serious sickness or injury, the costs may run into tens of thousands of dollars or even hundreds of thousands of dollars.
Therefore, it is advisable to purchase the best visitors insurance for parents visiting the USA from India. While visitors insurance is available from several insurance companies in India as well, it is always advisable to purchase only from a US-based company. Compare travel insurance from the USA vs India.
Even within the US, there are primarily two types of visitors insurance plans. While fixed coverage plans are cheaper, they have severe sub-limits for each and every procedure (that is what you get from most Indian companies too). Therefore, it is highly recommended to purchase only comprehensive coverage plans. In any case, as parents are typically of older age, they are more likely to get into some medical conditions. Therefore, it is better to buy comprehensive coverage plans.
Therefore, comprehensive coverages plans from the US-based company are among the best visitors insurance for parents visiting the USA from India.
What are the best plans visitors insurance plans?
The following are some of the best visitors insurance plans. All of them are comprehensive coverage plans. There is no medical exam required and you can purchase any of them instantly on the website:
- Atlas America
Features
- After deductible, pays 100% up to the policy maximum.
- Participates in United Healthcare PPO, with participating providers all across the US.
- Policy maximum available up to $2,000,000.
- Acute onset of pre-existing medical conditions is covered up to the policy maximum for age under 80.
- Provides the cruise coverage, theme park activities, emergency eye exam, border entry protection and loss of passports.
- Urgent care and walk-in clinic copay: $15. Deductible waived.
- Beacon America
Features
- After deductible, within the PPO network, pays 100% up to the policy maximum.
- Participates in the United Healthcare PPO Network, an extensive network of participating medical providers and facilities throughout the U.S.
- Unique policy maximum options available up to $1,100,000.
- Provides coverage for cruise, theme park activities, border entry protection, and emergency eye exam.
- Urgent care: copay is $35 and the deductible is waived.
- Patriot America Plus
Features
- After deductible, within the PPO network, pays 100% up to the policy maximum.
- Participates in United Healthcare PPO network, which is the most extensive list of participating providers all across the US.
- Policy maximum available up to $1,000,000.
- Acute onset of pre-existing medical conditions is covered up to the policy maximum for persons under the age of 70 years.
- Provides the cruise coverage, theme park activities, emergency exam coverage.
- Urgent care copay is $25 and walk-in clinic copay is $15. Deductible waived.
- Safe Travels USA Comprehensive
Features
- Covers 100% up to the policy maximum.
- Policy maximum available up to $1,000,000.
- Acute onset of pre-existing conditions is covered up to the policy maximum (cardiac $25,000) for persons under 70 years.
- Participates in First Health PPO network, which has participating doctors and hospitals all across the US.
- Urgent care copay is $30.
- A unique feature: One wellness visit is covered up to $125 if you purchase the insurance for a minimum of 30 days and avail this benefit within 21 days from the effective date.
How do I compare best visitors insurance plans?
You can easily compare visitors insurance for any given two plans.
