Visitors insurance for parents visiting USA: A Complete Guide

March 22, 2024

We all love to bring our parents/loved ones to a country they have never been to before and show them the place we work or study. Traveling to the USA, especially for elderly parents, can be an exciting yet daunting experience. Why? let us explain.

Though the excitement of exploring a new country is there, there are also practical matters to consider, such as the health and safety of your parents or your loved ones. One crucial aspect of planning a visit for parents to the USA is ensuring they have good travel insurance.

In this comprehensive guide, we'll explain in detail to help you choose the best visitor insurance for your parents. Now, let's start from the basics to get started.

What is Visitor's Insurance?

Visitor’s insurance, also known as travel insurance for visitors, is a type of insurance designed to provide medical coverage and assistance to individuals traveling to a foreign country. It acts as a safety net in case of unexpected medical emergencies, trip cancellations, or other unforeseen events during the visit.

Visitor’s insurance typically offers coverage for various medical expenses, including doctor’s visits, hospitalization, prescription medications, and emergency medical evacuation. Additionally, it may provide benefits such as coverage for trip interruption or cancellation, lost luggage or belongings, and even accidental death and dismemberment.

Let’s discuss in detail about the coverage now.

How Visitor's Insurance for Parents Visiting the USA Works?

Visitor's insurance for parents visiting the USA operates similarly to other types of travel insurance. Here's how it generally works

Purchasing Coverage

Before traveling to the USA, parents can purchase visitor's insurance online or through travel insurance providers like us. We have a lot of options to choose the coverage period based on the duration of their stay.

Coverage Activation

Once the insurance is purchased, coverage typically begins on the effective date specified in the policy. This could be the day of arrival in the USA or another date chosen by the policyholder.

Policy Terms

Visitor's insurance policies come with specific terms and conditions outlined in the policy document. It's essential for parents and their families to thoroughly review these terms to understand what is covered and any exclusions or limitations.

Medical Assistance

In the event of a medical emergency during the visit, parents can contact the insurance provider's assistance services for help. This may include assistance in finding a nearby medical facility, coordinating medical care, and processing insurance claims.

Claims Process

If medical treatment is required, parents or their designated representatives can file a claim with the insurance provider. This typically involves submitting relevant medical documents and receipts for reimbursement of covered expenses.

What Does This Type of Insurance Cover?

Visitor's insurance for parents visiting the USA typically provides coverage for a range of medical expenses and travel-related incidents.

While coverage may vary depending on the insurance provider and the specific policy chosen, common coverage includes the mentioned below.

Medical Expenses

This includes coverage for doctor visits, hospitalization, surgery, prescription medications, and emergency medical transportation.

Emergency Medical Evacuation

In the event of a serious medical emergency where local medical facilities are inadequate, visitor's insurance may cover the cost of medical evacuation to the nearest suitable medical facility.

Trip Interruption/Cancellation

Some policies offer coverage for trip interruption or cancellation due to unforeseen events such as illness, injury, or death of a family member.

Baggage Loss

If your parent's luggage gets lost during traveling, there are many insurance policies out there that can cover the cost of the lost belongings.

Emergency Dental Care

Coverage for emergency dental treatment due to an accident or sudden dental pain is often included in visitor's insurance policies.

Accidental Death and Dismemberment

In the unfortunate event of accidental death or permanent disability resulting from an accident during the visit, visitor's insurance may provide a benefit to the insured person or their beneficiaries.

What Does Not Cover in Visitor's Insurance?

While visitor's insurance offers valuable protection against various unforeseen events, there are certain exclusions that policyholders should be aware of

Pre-existing Medical Conditions

Most visitor's insurance policies exclude coverage for pre-existing medical conditions. This means any medical treatment, hospitalization, or expenses related to a condition that existed before the policy's effective date are not covered.

Routine Health Check-ups

Visitor's insurance is designed to provide coverage for unexpected medical emergencies rather than routine health check-ups, preventive care, or vaccinations.

High-Risk Activities

Participation in hazardous or extreme sports and activities such as skydiving, scuba diving, or mountaineering may not be covered by visitor's insurance policies.

Mental Health and Counseling

Treatment for mental health conditions, counseling sessions, therapy, or psychiatric care are typically excluded from coverage under visitor's insurance.

Pregnancy and Maternity Care

Expenses related to prenatal care, childbirth, maternity services, and complications of pregnancy are often not covered by visitor's insurance. Specialized maternity insurance may be required for coverage in such cases.

Apart from the mentioned, things like cosmetic surgery, elective surgery, preventive check-ups and so can will not be covered. You can reach out to us to know more about this.

Conclusion

By understanding what visitor's insurance provides for you, how it works, and what it covers, you can ensure your parents have a safe and enjoyable visit to the USA.

To make sure you choose the best travel insurance plan for parents visiting the USA, you can reach out to us. We can discuss and compare the best insurance plans available from various providers.

We'll guide you throughout the journey and we got your back, so you can just focus on welcoming them warmly!

Reach out to us and get the best visitor plan with us now!