If your parents are visiting the USA, getting travel insurance is crucial to ensure their safety and financial security. The USA has one of the most expensive healthcare systems, and even a minor medical emergency can result in huge bills. Having comprehensive travel insurance can protect them from unexpected expenses and give you peace of mind. Also you can read this if you want Best Travel Agency to Work With for USA.
Key Benefits of Travel Insurance for Parents Visiting the USA
A good travel insurance policy should cover-
1. Medical Emergencies & Hospitalization
Covers doctor visits, hospital stays, and emergency treatments.
Includes ambulance and surgery costs if required.
Can cover pre-existing conditions (if disclosed and covered by the policy).
2. COVID-19 Coverage
Medical expenses related to COVID-19 treatment.
Coverage for trip cancellations due to COVID-19.
3. Trip Cancellation & Interruption
Reimbursement for non-refundable bookings if the trip is canceled due to an emergency.
Covers return flights in case of unexpected illness or family emergency.
4. Emergency Medical Evacuation
Covers transportation costs if your parents need to be evacuated for advanced medical care or repatriation.
5. Lost Baggage & Personal Belongings
Compensation for lost, delayed, or stolen luggage.
6. Personal Liability Coverage
Covers legal expenses if your parents accidentally cause injury or damage to property.
Best Travel Insurance Plans for Parents Visiting the USA
Several providers offer tailored travel insurance for parents visiting the USA. Here are some top-rated options-
1. Atlas America by WorldTrips
Coverage up to $2,000,000
Covers acute onset of pre-existing conditions
COVID-19 coverage included
- Website – www.visitorscoverage.com
2. Patriot America Plus by IMG
Coverage up to $1,000,000
Offers flexible deductibles
Covers emergency medical evacuation
3. Safe Travels USA Comprehensive by Trawick International
Covers pre-existing conditions (if purchased within a certain period)
Includes trip interruption and lost baggage
24/7 travel assistance
- website – trawickinternational.com
4. CoverAmerica Gold
Coverage up to $1,000,000
High coverage for urgent care and emergency room visits
Includes trip delays and baggage loss
Website – www.coveramericagold.com
How to Choose the Best Travel Insurance for Parents?
To select the right policy, consider the following:
Medical Coverage: Choose a policy with high medical expense coverage (at least $100,000+).
Pre-Existing Condition Coverage: Ensure it covers acute onset of pre-existing conditions.
Deductibles: Look for low or no deductibles to reduce out-of-pocket costs.
COVID-19 Coverage: Ensure the plan includes COVID-related expenses.
Trip Duration: Choose a policy that covers the entire stay in the USA.
Ease of Claims: Look for an insurance provider with a simple claims process and 24/7 customer support.
Cost of Travel Insurance for Parents Visiting the USA
The cost of travel insurance depends on:
Age of travelers (older parents may have higher premiums).
Coverage amount (higher coverage means higher cost).
Duration of stay (longer stays increase the cost).
Pre-existing conditions (if covered, the policy may be more expensive).
Estimated Price Range
Basic Plan (limited coverage): $50 – $100 per month
Mid-Level Plan (good coverage): $100 – $250 per month
Comprehensive Plan (high coverage + pre-existing conditions): $250 – $500 per month
How to Buy Travel Insurance for Parents?
Purchasing travel insurance for parents visiting the USA is simple. Follow these steps:
Compare plans online using travel insurance websites like VisitorsCoverage, InsureMyTrip, or SquareMouth.
Enter travel details (trip duration, age, and destination).
Select a plan that fits their needs.
Read the policy carefully, checking coverage limits and exclusions.
Make the payment and receive the insurance policy by email.
Claim Process: How to Use Travel Insurance in the USA?
If your parents need medical attention during their stay, follow these steps:
Visit an in-network hospital (Check the insurance provider’s list of preferred hospitals).
Show the insurance card and inform them of the policy details.
Pay the deductible (if applicable) and let the insurance handle the rest.
For reimbursements, keep all medical bills and submit them online to the insurance provider.
Frequently Asked Questions (FAQs)
1. Is travel insurance mandatory for parents visiting the USA?
No, but it is highly recommended due to the high medical costs in the USA.
2. Can parents get insurance if they have pre-existing conditions?
Yes, but only certain policies cover acute onset of pre-existing conditions. Check the policy details before purchasing.
3. When should I buy travel insurance for my parents?
You should buy travel insurance before they leave Iran or their home country. Some plans offer better benefits if purchased early.
4. Can I extend their travel insurance if they decide to stay longer?
Yes, most insurance providers allow extensions. Request an extension before the policy expires.
5. What happens if my parents need emergency treatment but don’t have travel insurance?
They will have to pay out-of-pocket, which can be extremely expensive in the USA. Some hospitals may not provide non-emergency care without insurance or upfront payment.
Final Thoughts
Getting travel insurance for parents visiting the USA is essential to protect them from unexpected medical expenses, trip cancellations, and other travel risks. Choose a comprehensive policy with good medical coverage, pre-existing condition benefits, and emergency assistance. This small investment ensures their safety and your peace of mind!
I am Sabiq Rasel is an Entrepreneur and broadcaster. I believe that every sip of coffee holds the potential for a moment of inspiration, creativity, and every cup tells a story.
