Parent Visiting

Travel Insurance For Parents Visiting The U.S. – Forbes Advisor

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If your parent is planning a visit from another country, they must purchase health insurance to cover them during their stay in the United States.

Travel medical insurance provides short-term health care coverage for visitors to the U.S. It works more like traditional U.S. health insurance—with deductibles, copayments, and provider networks—than traditional travel insurance.

Can foreigners buy travel medical insurance?

Foreign visitors to the US can purchase travel medical insurance, or visitor medical insurance, from US companies.

This short-term travel health insurance is important for foreign visitors because the US has some of the highest health care costs in the world. Without the coverage, international visitors could be in financial trouble if they are hurt or injured while in the US

What does travel insurance cover for parents visiting the US?

Travel medical insurance plans typically cover inpatient and outpatient services, emergency medical services, and other health care services ranging from dental to prescription medications.

A comprehensive visitors medical insurance plan bundles together several types of insurance. This can include:

  • Travel medical insurance
  • Emergency dental
  • Coverage for Covid-19
  • Emergency medical evacuation coverage
  • Coverage for pre-existing conditions
  • Cover for trip cancellations and interruptions
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Travel medical insurance

Travel medical insurance is crucial for parents visiting the US because our health care is very expensive, and older travelers are more likely to need medical care in general.

While insurance policies vary, a travel medical insurance plan for international visitors typically covers:

  • Emergency room care
  • Nursing care at home
  • Intensive care
  • Laboratory work and X-rays
  • Local ambulance service
  • Physical therapy
  • Doctor visits
  • Prescription medication
  • Operations
  • Walk-in clinic visits
  • Urgent care clinic visits

Note that these plans may offer full coverage if you seek care from a doctor in the Preferred Provider Organization (PPO) plan network, while offering only partial coverage for a certain amount of eligible expenses from their PPO network.

Depending on the plan, excesses and co-insurance may also apply to short-term travel medical insurance policies. This means that even after paying for the plan, your parent could still be on the hook for thousands of dollars in medical bills if they get sick or injured while visiting the United States. Read the travel medical insurance policy carefully to understand how much your parent will be responsible for paying out of pocket if they are injured or become ill.

Emergency dental insurance

Emergency dental coverage can be included in a policy, although coverage limits tend to be low. For example, the CoverAmerica-Gold plan from VisitorsCoverage offers just $250 in travel dental coverage, subject to a $50 deductible.

Medical cover for Covid-19

Many travel health insurance plans for international visitors offer coverage for Covid-19. With IMG Global’s Patriot America Plus plan, for example, testing and treatment for Covid-19 is covered the same as any other illness covered by the policy.

Quarantine required for those who test positive for Covid-19 may also be covered by some plans. For example, the quarantine indemnity benefit offered by VisitorsCoverage can be worth up to $50 per day for 10 days for quarantine costs.

Emergency medical evacuation coverage

Emergency medical evacuation pays to transport your injured or ill parent to the nearest medical facility (or to the airport nearest an eligible hospital) for emergency treatment and services.

Upon release from the hospital, this coverage can also pay for ground or air transportation back to your parent’s temporary stay in the US, or to their home country.

Having to be transported by air for medical treatment can quickly add up to exorbitant bills, so this insurance is important for parents visiting the U.S. Travel medical insurance plans often offer emergency medical evacuation coverage of up to $1 million, but plans with more coverage are also available.

Coverage for pre-existing conditions

Pre-existing conditions are typically excluded from coverage. But travel medical insurance can include coverage for the acute onset of pre-existing conditions. There is typically fine print for this coverage.

For example, the CoverAmerica-Gold plan from VisitorsCoverage offers coverage for the acute onset of pre-existing conditions up to the policy limit for people under 70. But for ages 70 to 79, coverage is limited to $30,000. This plan also limits cardiac coverage for angina, heart attacks and strokes up to $36,000.

Cover for trip cancellation and interruption

Some travel medical insurance plans also include some traditional travel insurance elements, such as trip cancellation and trip interruption coverage.

For example, the CoverAmerica-Gold plan from VisitorsCoverage offers $100 in coverage for a travel delay of 12 hours or longer, and $10,000 in trip interruption coverage.

How much does travel medical insurance cost for parents visiting the US?

The typical cost of travel medical insurance is between $200 and $400according to VisitorsCoverage.

Travel insurance for parents visiting the US will vary in cost depending on the plan you choose, the age of your parents and the length of their visit.

For example, the Patriot America Plus from IMG Global costs about $212 for 29 days of coverage for a 60-year-old parent visiting the US. This example plan has no deductible and a maximum limit of $1 million.

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