Best Travel Insurance For Parents Visiting Usa From India
Traveling to a new country can be an exciting experience, especially when it comes to visiting the United States of America. However, as exciting as it may be, traveling without the right travel insurance can lead to unexpected expenses and complications.
Parents visiting the USA from India may encounter unique challenges and risks that require travel insurance coverage. This article will provide a comprehensive guide to the best travel insurance options for parents visiting the USA from India.
Why Do Parents Visiting the USA from India Need Travel Insurance?
Medical expenses in the USA can be incredibly high, making it critical for parents visiting the USA from India to have adequate travel insurance coverage. In addition to medical expenses, travel insurance policies can also protect against trip cancellations, emergency medical evacuations, and lost or stolen baggage.
In case of unexpected situations like a missed flight, lost passport or medical emergencies such as hospitalization, surgery, or any other medical assistance, having travel insurance can help cover the costs, which can otherwise create a substantial financial burden.
What to Look for in Travel Insurance for Parents Visiting the USA from India?
Before purchasing travel insurance, it's essential to consider some factors that are critical for parents visiting the USA from India based on their specific needs. Here are some of the things to look for in a travel insurance policy:
- Deductibles - Look for policies that have low or no deductibles since high deductibles can significantly increase out-of-pocket expenses.
- Pre-existing medical conditions - If your parent(s) have medical conditions, look for policies that specifically cover pre-existing conditions.
- Emergency medical evacuation - Make sure the policy includes emergency medical evacuation in case of severe emergencies.
- Flight cancellations/interruptions - Policies that cover expenses incurred due to canceled or interrupted flights should be preferred, as travel plans can be disrupted due to unforeseen reasons.
- Lost or Stolen Baggage- Make sure to check the policy for lost or stolen baggage coverage. Proper coverage would help with the hassle of replacing lost possessions.
Best Travel Insurance Policies for Parents Visiting the USA from India
1. VisitorsCoverage
VisitorsCoverage is an excellent option for parents visiting the USA from India. They provide comprehensive plans that cover medical expenses, travel-related emergencies, and offer coverage for pre-existing conditions, including diabetes and hypertension.
With over 13 years of experience, VisitorsCoverage offers plans that suit every budget and travel itinerary. They also provide 24/7 customer support, making it easier to resolve any travel-related issues.
2. Atlas America Insurance
Atlas America Insurance is an excellent option for parents visiting the USA from India, covering medical expenses up to $2 million. They also offer coverage for pre-existing conditions, emergency medical evacuation, and accidental death and dismemberment.
They have a vast network of healthcare providers in the USA, making it easier for parents to find quality medical care in case of a medical emergency. Atlas America Insurance also provides a mobile app that allows you to manage your policy and access essential information on-the-go.
3. Patriot America Plus
Patriot America Plus is another great option for parents visiting the USA from India. They offer excellent coverage for medical expenses and emergency medical evacuation up to $1 million. Patriot America Plus also provides coverage for pre-existing conditions, making it a great option for parents with medical issues.
They also offer coverage for acute onset of pre-existing conditions up to $25,000 for travelers under the age of 70, which is a considerable benefit compared to other travel insurance policies. Patriot America Plus also covers lost or stolen baggage, emergency travel assistance, and personal liability.
Conclusion
Travel insurance is essential when visiting the USA from India, and having adequate coverage can minimize unexpected expenses and complications. Before purchasing a travel insurance policy, it's essential to review the coverage and consider factors such as deductibles, emergency medical evacuation, pre-existing conditions, and lost or stolen baggage.
VisitorsCoverage, Atlas America Insurance, and Patriot America Plus are among the best travel insurance policies for parents visiting the USA from India. Regardless of which policy you choose, make sure to read the fine print and understand the policy's limitations and exclusions to ensure that you have adequate coverage.