Visitors Insurance for Parents from India
Your son and daughter choosing to work or study in the USA allows you to experience the country in a unique and fascinating way. However, sometimes travel and experiencing life in a new country can take more of a toll on your health than you might expect, and of course, there is always the possibility of accidents. Medical provision in the USA works on a “fee for service” basis: regardless of the treatment, US citizens - and even visitors - must pay for it. Therefore, comprehensive health care insurance is an essential investment for your trip. Your current insurance policy may not cover you in these circumstances and is unlikely to consider the particular health care system at work in the USA. Choosing a USA-aware insurance policy also makes for easier management and billing if you are unlucky enough to fall ill in the country, especially for older people with pre-existing health conditions. Purchasing medical insurance specifically for a USA trip before your visit is responsible and worthwhile. Over one million Indian people travel to the USA every year - make sure you are prepared!
Can I travel to the USA without travel medical insurance?
You can, of course, travel to the USA to visit your son or daughter from India without medical insurance. However, the cost of medical treatment in the US is often extremely prohibitive for both citizens and visitors. Even if you are in good health, it is not worth the risk of spending thousands of dollars on any treatment you may require. Purchasing comprehensive insurance will remove the potential burden of this expense for you and your children. It is by no means an unnecessary expense and is certain to save you money, time and emotional and physical stress.
Do I need insurance for a short trip?
You may feel that if you are only visiting your son and daughter from India for a short time that you do not need medical insurance in the USA. However, we warn against this approach. It is wise to purchase insurance on the off-chance that you require medical treatment in the USA. This will avoid any concerns about you - or your child - being held responsible for a large medical bill if you fall ill, develop a health complaint or a past one reoccurs, or you simply experience an unforeseen accident, however big or small. We encourage anyone visiting the USA to purchase health insurance that covers the entirety of their time in the country, no matter the length of it.
Our USA medical insurance policies
We offer a range of medical insurance policies which will provide you with the best coverage and peace of mind when you leave India to visit your son or daughter in the USA. All of our policies mean you are covered for your medical needs en-route to USA, in countries while on your way to the USA, in the USA and on your way home as well as other countries on your itinerary. They offer up to $100,000 of medical expense coverage for ages 0-79 and $50,000 up to age 89. You can view detailed information about all of our policies here but below is a brief outline of each.
Safe Travels USA
This primary insurance plan offers a wide-rang medical insurance plan for your trip to the USA for a minimum of 5 days, up to a year. This includes medical accident and sickness, emergency medical and political evacuation, repatriation of remains, trip interruption, lost baggage, and accidental death and dismemberment.
The plan also covers a broad “unexpected recurrence” of a pre-existing medical condition - whether you knew about it or not - and in the event you need a treatment that is ‘out of network’ (ordinarily not covered by the policy) we can cover you for this from $0 to $5,000 as an optional extra benefit.
Safe Travels USA Cost Saver
This is the most popular primary temporary accident and sickness medical coverage for a trip of 5-365 days. It covers most of the same factors as the standard plan above, but you have a choice of the maximum limit of coverage, so it is perfect if you are on a budget.
Safe Travels USA Comprehensive
This basic plan covers accident and sickness medical coverage between 5-365 days up to $1,000,000. It covers “acute onset” of a pre-existing condition - one that requires urgent treatment, usually within 24 hours - rather than the broader definition “unexpected recurrence” so if you are fairly unadventurous and confident of your general health this may be the best option for you.
Safe Travels USA Trip Protection
This protection is a trip cancellation, interruption and travel delay plan for anyone up to age 79 for between 5 to 180 days. It includes emergency medical and post-departure travel coverage too — up to $1,000,000 in primary emergency medical coverage is available. The rates are based on the insured trip amount, your age, and the medical plan maximum.
Enjoy your trip!
We have a wide variety of USA medical insurance plans to suit your needs, so you can relax with your son or daughter on your visit to the country without the concern of the cost of medical care.