Best Travel Insurance for Parents Visiting the U.S.

Many tech professionals come to the United States to study, to work or to settle. In most cases, their parents took good care of them, including providing them with an education, and catering to all of their needs as children and young adults. Now, these professionals want to return the favor and have their parents visit them in the United States, spend time with them, and tour the country.

For that reason, they want to know the best travel insurance for parents visiting the USA, also known as USA visitors insurance, or health insurance for foreign visitors. 

The same visitors insurance in the USA for parents won't work for every visitor. Everyone is different, including their age, the duration of their trip, the desired policy maximum and deductible, the type of insurance wanted, available budget, comfort levels and so on. The best travel insurance for visitors to usa will depend on all of these factors. 

To help narrow down your choices of insurance for parents visiting the USA, we’ve reviewed over 20 of the best visitors insurance plans for parents visiting the USA and selected these choices: 

• Atlas America Insurance 
• Beacon America Insurance 
• Patriot America Plus Insurance 
• Safe Travels USA Comprehensive Insurance 

Do Your Parents Need Travel Insurance to Visit You in the US?

There’s no legal requirement for your parents to have travel insurance for America to visit you in the US on a B2 tourist visa or without a visa, but ask yourself this question: If one of them were to get sick or hurt, who would pay for expensive American medical treatment?

Your domestic health insurance coverage cannot cover your visiting parents, and any health insurance they have in their home country is unlikely to be accepted in the US. And even if it is, it won’t be sufficient. If you’re prepared to pay over $100,000 out of your own pocket in case of a medical emergency, you can forego having visitors insurance and take your chances. But, if like most Americans you cannot afford to do that, visitors medical insurance is essential coverage for your parents.

And if you think visitors insurance is too complex to purchase on your own, you’re in luck. Insubuy makes it easy to get instant quotes, compare plans, and buy online instantly. No doctor’s exam is required, and coverage can begin as soon as the next day.

Why Trust Us?

Insubuy has specialized in insuring visiting parents for almost 25 years. No other company has more experience or expertise in offering the best travel insurance for parents visiting the USA. Plus, we’re located in the USA, so our licensed agents will be here, in the same time zones as you, every step of the way.

Need more proof? Check out our ratings on Trustpilot and Google. 

How to Choose Health Insurance for Parents Visiting the USA

When selecting health insurance for parents visiting the U.S., several key factors should guide your decision to ensure comprehensive and suitable coverage for their stay:

1. Medical Expense Coverage
   Choose policies that cover essential medical expenses, including hospitalization, doctor's visits, and urgent care. Coverage amounts vary, so consider a minimum of $50,000 for basic coverage but aim higher depending on your parents' specific health needs.
2. Emergency Medical Evacuation
   In case a medical emergency requires transportation to a specialized facility, opt for a plan that includes emergency medical evacuation, ideally with coverage of at least $100,000.
3. Coverage for Pre-Existing Conditions
   If your parents have pre-existing conditions, selecting a policy that accommodates this is critical. Some plans offer limited coverage for the acute onset of pre-existing conditions, a feature worth considering to mitigate unexpected costs.
4. Deductibles and Copayments
   Review deductibles and copayments carefully. Lower deductibles mean higher premiums but lower out-of-pocket costs during a medical incident, which can be helpful for elderly travelers.
5. Policy Maximum
   Ensure the policy maximum is sufficient for potential high-cost medical events. A policy maximum of $100,000 is often recommended for comprehensive protection, though higher limits may be ideal for longer stays or travelers with known health conditions.
6. Provider Network (PPO)
   Choose an insurer with a preferred provider network (PPO) to reduce out-of-pocket costs for in-network care, an important factor for managing expenses.
7. Repatriation of Remains
   This feature covers the cost of returning remains to the home country if needed. Look for a policy offering at least $25,000 for this benefit.

Best Travel Insurance Plans for Visiting the USA

• Atlas America

  • Rating: A “Excellent” by AM Best
  • Emergency medical coverage: Up to $2,000,000
  • Medical evacuation: $1,000,000
  • Pros: Extensive medical evacuation coverage, cancellable and extendable.  
  • Cons: $10,000 policy maximum for insureds ages 80 and above.

  • Atlas America Insurance - Visitors Insurance USA

    Plan Information

• Beacon America

  • Rating: A “Excellent” by AM Best
  • Emergency medical coverage: Up to $1,100,000
  • Medical evacuation: To policy maximum
  • Pros: Includes home country coverage, cancellable and refundable.
  • Cons: Limited medical evacuation coverage for those over 69.

  • Beacon America Insurance – Visitors to USA

    Plan Information

• Patriot America Plus

  • Rating: A- “Excellent” by AM Best
  • Emergency medical coverage: Up to $1,000,000
  • Medical evacuation: $1,000,000
  • Pros: Higher medical maximums than most plans for those over 69.
  • Cons: One of the lower medical maximums for those 80 and older.

  • Patriot America Plus Insurance

    Plan Information

• Safe Travels USA Comprehensive

  • Emergency medical coverage: Up to $1,000,000
  • Medical evacuation: Up to $1,000,000
  • Pros: High policy maximums and evacuation coverage, even for older insureds.
  • Cons: No coverage for loss of passport or travel documents.

  • Safe Travels USA Comprehensive Insurance

    Plan Information

All of the above plans are extendable and refundable. They all can be purchased online on this website instantly. You will receive the ID card and other policy documents immediately in your email.

In addition to the plans listed above, we have many other visitors insurance plans available. You can get instant quotes from multiple products, compare them side by side and make an immediate purchase online of the best visitors insurance in the USA.