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

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If your relative is planning a visit from another country, they must purchase health insurance to cover it while in the United States.

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

Can foreigners take out travel medical insurance?

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

This short-term travel health insurance is important for overseas visitors because the United States has some of the highest health care costs in the world. Without coverage, international visitors could face financial problems if injured or injured in the United States.

What does travel insurance cover for parents visiting the United States?

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

A comprehensive visitor medical insurance plan combines several types of insurance. This could include:

  • Travel medical insurance
  • emergency dental
  • Coverage for Covid-19
  • Emergency Medical Evacuation Blanket
  • Coverage for pre-existing conditions
  • Trip Cancellation and Trip Interruption Coverage

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Travel medical insurance

Travel medical insurance is crucial for parents visiting the United States because our healthcare is very expensive and older travelers are more likely to need medical attention overall.

Although insurance policies vary, a travel medical insurance plan for international visitors generally covers:

  • Emergency care
  • Home nursing
  • Intensive care
  • Laboratory work and x-rays
  • Local ambulance service
  • physical therapy
  • Visits to the doctor
  • Prescription drugs
  • surgeries
  • 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 only offering partial coverage for a certain amount of expenses. eligible outside their PPO network.

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

Emergency dental insurance

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

Medical coverage 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.

The quarantine required for people who test positive for Covid-19 may also be covered by some plans. The quarantine allowance benefit offered through VisitorsCoverage, for example, can be worth up to $50 per day for 10 days to cover quarantine costs.

Emergency Medical Evacuation Blanket

Emergency medical evacuation pays to transport your injured or ill relative to the nearest medical facility (or to the nearest airport to a suitable hospital) for emergency treatment and services.

Upon discharge from hospital, this coverage may also pay for ground or air transportation to your parents’ temporary residence in the United States or to their home country.

The need to be airlifted for medical treatment can lead to exorbitant bills in a hurry, so this insurance is important for parents visiting the United States. also available.

Coverage for pre-existing conditions

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

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

Trip Cancellation and Trip Interruption Coverage

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

VisitorsCoverage’s CoverAmerica-Gold plan, for example, offers $100 coverage for a trip delay of 12 hours or more, and $10,000 in trip interruption coverage.

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

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

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

IMG Global’s Patriot America Plus, for example, costs about $212 for 29 days of coverage for a 60-year-old relative visiting the United States. This sample plan has no deductible and a maximum limit of $1 million.

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