Visitor Guard ® states that it is essential to choose the right visitor insurance plan for parents coming to the US.
Aged parents coming to the US to visit their families or to enjoy a vacation must buy a visitor health insurance plan that meets their medical and travel requirements. Accidents and sickness can occur anytime, so it is crucial to be prepared mentally and financially, especially when you are traveling internationally.
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It is not a surprise that the medical costs in the US are exorbitantly high. Visitors visiting the country may not be able to pay medical bills and hospital charges if they fall sick. Moreover, elderly parents are prone to getting sick or injured; hence, buying a health insurance for parents visiting the USA becomes mandatory.
There are some factors that can help you find a perfect plan for parents, such as their health, trip duration, medical history, pre-existing conditions, COVID-19 treatment, etc. Parents’ health and their medical requirements play a crucial role in choosing a plan.
No visitor insurance policies cover pre-existing conditions. Some plans can offer limited coverage for non-chronic acute onset of pre-existing condition. However, it is recommended to check the policy wordings because each plan has its own definition of pre-existing condition and acute onset of pre-existing condition. Each plan has a different criteria and eligibility to fall under acute onset.
Generally, acute onset is defined as those medical illnesses that can occur anytime without prior symptoms or warnings and need to be treated within 24hours of the first symptom. Each plan has its own definition and is a good practice to check the definition before signing up for the plan. Elderly travelers who are 60 years and above typically tend to have pre-existing medical illnesses, such as cardiovascular issues, high blood pressure, cholesterol, asthma, etc. Visitor Guard® suggests that even if the senior travelers are sound in health, it is vital to get a plan that covers acute onset of a pre-existing condition.
A short stay might not necessitate a robust coverage plan (though recommended), but a longer one certainly does. If parents plan to visit for several months or more than a year, buying a comprehensive plan is always a better option as it grants better medical coverage. On the contrary, if parents are in excellent health and are only staying for a few weeks, a fixed plan may suffice. Again, comprehensive plans reduce the risk and probability to pay out-of-pocket, which one needs to do with a fixed plan.
The fear of COVID-19 is still in the mind of the people. Though the borders have opened, and the US has eased travel restrictions, it is important to follow safety protocols and guidelines. Buying a plan with COVID-19 coverage can protect health of senior visitors in the US. Mostly, the insurance policies treat COVID-19 as any other illnesses and insurers receive cashless treatments in the hospitals. They must meet their deductible and coinsurance, or copay as mentioned in their chosen plan.
You can buy different health insurance plans for each parent or a single policy for both together. The daily premium for each person really does not change if you have both parents on the same application or individual applications. Depending on the plan and parents’ age, some plans may ask you to choose separate application for both parents. It is recommended to talk to our executive about how the process works.
It is difficult to determine how much medical insurance is enough for parents because it entirely depends on what kind of illness or injury one might require treatment for. Choice of medical insurance would depend on the risk you are willing to take during their stay in the US. The choice of policy maximum is limited in case of elderly parents. Also, the premiums are high. Any plan will charge a 60-year-old individual more than a 25-year-old individual even if you keep the variables (deductible and policy maximum) the same.
Safe Travel Comprehensive, Patriot America Plus, and Atlas America are the popular comprehensive plan choices for elderly parents coming to the US. Visitors Care and Safe Travels Elite are the fixed benefit plans. Buying US travel insurance for parents is not difficult at all. You can visit our site and get the quotes for the plans. You can call us/ drop us an email, and we will help you buy an incredible comprehensive plan for your parents.
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