Do you Need Health Coverage for Your Parents if They Visit You in the US?
Understanding healthcare in the United States can be very difficult. However, you don’t have to understand it fully to know that travel medical insurance for non-US citizens is necessary.
If you have parents coming to visit you for the holidays, while on vacation or for any other reason, you need to get travel medical insurance for them. This is very important because if they need any type of medical care, while in the United States, they won’t get the best care and it will be expensive.
What type of insurance is right for your parents?
A comprehensive policy with full medical and travel benefits is the best choice, if you can afford it. Most of these policies are called visitor health insurance and will include higher medical limits.
Do you need separate policies for each parent?
You need travel medical insurance for each person visiting the United States. If both of your parents are coming to visit, you should get a separate policy for each of them. This will allow for more coverage and usually it’s more cost effective.
What should the policy maximums be for visiting parents?
You should always try to get the highest policy maximum you can. A $100,000 maximum is preferred by many, especially if the stay is short. However, if they plan to be more active or they are older, you may want a higher maximum.
Are you allowed to purchase the travel medical insurance for your parents?
Yes, you can do the entire application for your parents and pay for the policy with a credit card. This will save your parents the hassle of having to deal with it.
What else should you be aware of?
When purchasing travel medical insurance for non-US citizens, you should make sure you get the right policy for their needs. If your parents plan to visit the United States, but also want to see Canada, Mexico or any other country, you may need a different policy. Some type of travel insurance won’t cover them outside the United States.
It’s also important to consider where your parents will be staying. If they will be staying with you, a policy with the right protection may not be the same as if they are staying in a hotel.
It’s important to understand what type of travel medical insurance is best for visiting parents. Whether they are coming for a week, a month or longer, you need to make sure they are covered.