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Parents in the United States might want to extend or renew their stay for several reasons. The coronavirus has stranded many parents in the US. International travel restrictions has forced many parents to cancel their return journey who are on temporary or short term US visas. They will now have to extend or renew their visa status in order to stay longer in the US.
Parents in the U.S.A are stranded in the US going against their original travel plans. This is just one reason why having good travel health insurance for parents is very important outside the home country. Staying in America as an uninsured parent is highly risky. Our insurance covers act as boon in an event of sudden sickness due to COVID-19 or accidental injuries and require a hospitalization which can leave you with huge medical bills having an impact on your financial situation. Parents can compare travel health insurance plans for Coronavirus to avoid all such disastrous situations.
Steps and procedure to extend US visa for further stay in USA.
The highly educated and successful Indian American community in the United States typically consists of qualified professionals with strong ties with family in India. It is very common for parents of Indian Americans visiting the US to spend time with their children and grand-children. Given the harsh US winters, the summer months are most popular to have parents from India visit the US. Given the long distances and expenses involved in traveling from India, these parental visits are sadly few and far in between. However it is important that visits by parents to the US are planned to ensure that nothing untoward occurs.
Expectedly visiting parents are quite elderly, most often in ages above Sixty years. The visits to the US by parents from India often range from a few weeks and go up to Six months due to US tourist visa constraints. Given that parents are visiting the United States where weather patterns, clothing, food and even water is all quite different from India, these senior citizen parents are vulnerable to falling sick.
While having parents visit the US is most exciting, being forced to take parents to an American hospital especially without any visitor health insurance can be traumatic. Everyone in the United States knows about the costly healthcare system, where short visits to a physician is expensive leave alone an overnight stay in the hospital. It is therefore very important to buy good visitors insurance for parents traveling to the US.
On our website, we help customers understand the nuances of the different parents visitor insurance plans so that you can make a good decision while buying parents visitor health insurance. There are different factors for visitors insurance that Indian parents should be informed about. Indian parents in the US should know of the difference between fixed benefits visitor insurance and comprehensive visitor insurance plans. Visiting parents and their children should also understand the concepts of deductibles and co-insurance. Most important is that since parents are usually older travellers, they should know of visitor insurance coverage for Pre-existing conditions.
Best International travel tips for older travelers – Safety, Comfort and Wellness.
Here are some travel insurance tips for travelers with pre-existing conditions
There are several visitors insurance plans available for international travel. However many visitors insurance and travel insurance plans exclude pre-existing conditions. This means that a travel insurance plan will not cover the costs of treating a pre-existing medical condition. The insurance company can therefore deny a claim if the ailment was pre-existing when the travel insurance was purchased. However, there are some travel health insurance plans which do offer coverage for pre-existing conditions with the policy clearly defining a look back period and what is covered for pre-existing conditions as well as specifying a limit for this coverage.
Some travel health insurance plans like Atlas America, Patriot America Plus offer coverage for the acute onset of a pre-existing conditions, ie, when there is a sudden medical emergency without any prior symptom that needs to be treated immediately. The coverage typically includes emergency medical treatment, hospitalization, and evacuation expenses related to the acute onset of the pre-existing condition. INF insurance however has the INF Elite insurance plans which cover pre-existing conditions going beyond the acute onset coverage. It is important to compare visitors insurance for pre-existing conditions both for the price as well as the specific details for pre-existing conditions coverage as well as review the policy brochures for exclusions and coverage limits before making a decision.
There are many international travelers who have medical ailments and it is important for them to be well informed about visitors insurance for pre-existing conditions. Many of the regular travel insurance plans exclude any coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing. At American Visitor Insurance, we offer plans which do offer coverage for acute onset of a pre-existing condition, as well as full coverage for pre-existing conditions up to a clearly defined limit in the policy document. All of these details can be better understood by using our facility for comparing visitors insurance for pre-existing conditions.
The travel health insurance plans which cover pre-existing conditions have clear definitions of what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions, and if it provides full coverage for pre-existing conditions the coverage limit within the policy for pre-existing conditons. Any travel health insurance coverage for pre-existing conditions will depend on all these factors.
The following are the important factors to consider while purchasing travel insurance for pre-existing conditions
Unfortunately, this simple question has a fairly complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance that can cover pre-existing conditions and even plans that are travel medical only without cancellation often are more generous in their coverage of pre-existing conditions. These plans may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.
Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. There are only two policies we know of that offer coverage for pre-existing medical conditions. They are INF Premier and INF Elite plans.
Firstly, they define pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.
INF Elite (also INF Elite 90) are comprehensive plans offering fairly complete coverage. INF Premier is a fixed plan. Find details on these plans here.
The above plans must be purchased for at least 90 days and can be quite pricey for seniors, but they offer the only real coverage for chronic conditions.
The other option, of course, is to take a plans with little ($1000) or no coverage for pre-existing conditions and take a risk that that condition will not flare up during the trip.
The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms). A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset.
The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.
The impact of the US culture on India is quite significant and Indians view them in a positive way.US has always been one of the preferred choices for Indians to move for their education, jobs and vacation when compared to other western countries like Australia, Canada United Kingdom etc.... Many Indians have moved to the US and have become US citizens, green card holders while others are on the temporary H1B work visa.
When many of the Indians are settled in US naturally their parents and relatives of these migrants travel to the US regularly to meet their children and grandchildren. While international travel can be very exciting it can also be stressful. In spite of having good health conditions few travelling parents may be exposed to adverse health conditions while travelling outside their home country. While some of them may not have the physical ability to withstand the travel responses, like not able to adjust to the changed weather conditions, change in the type of food and may become ill during the travel or while in the US.
At all times health and safety are a priority when it comes to parents hence to avoid all such unexpected risks it’s advisable that parents should buy an international travel insurance cover while they book their travel tickets. To get a financial protection for any medical emergency or personal injury occurred while you are travelling outside the home country is best than facing huge medical bills and unwanted stress adding to the situation. The medical treatment in US is very expensive and unaffordable to pay at one go.
This is one of the platforms where you can find some of the best international health insurance for your parents suitable to your needs. Detailed information on visitors insurance coverage options that available for your parents are provided here in an easy to understand manner.
You can buy international travel insurance before your parents commence their journey as that will ensure your parents are covered for the entire travel from their flight, in transit till the destination country (US). It is important to buy comprehensive travel insurance cover that will ensure sufficient coverage is given to your parents in the event of a medical or travel emergency.
Yes, you can purchase the international travel insurance on their behalf by completing the application form and make payments online and get an instant cover for your parents.
Purchasing a comprehensive cover is advisable as this will give adequate cover for your parents in the event of any medical emergency.
It’s best to have two different policy cover for them as it will help you save yourself from the confusions if any one of them have to change their travel plans for any reason. There will be no difference in the price factor of the policy as all insurance policies are regulated by law.
We have numerous travel insurance plans for all your needs. There are fixed plans which have no flexibility in their benefits and comprehensive plans which work out a little more expensive with flexible benefits as they are sufficient to cover major medical expenses. You can compare the difference between fixed and comprehensive plans.
Unfortunately, pre-existing conditions cannot be covered in an international travel insurance cover. However, there are few US insurance provider who offer limited coverage for acute onset of pre-existing medical condition.
Older travelers or parents aged above 60 years visiting foreign nations have a tough time in finding good medical insurance to satisfy all their requirements. Here is a quick comparison of popular visitor medical insurance plans that provide coverage for 60+ travelers.
Senior travelers find it difficult to get good travel insurance. These plans range from being affordable to providing the most coverage, the price vary correspondingly depending on the coverage offered.
Visitor insurance for 80 years old USA are available for senior travelers above 80 years of age with suitable benefits. Compare some of these health insurance over 80 years old traveling in US offered by reputed US insurance companies. Travelers can get quotes and buy travel insurance for seniors over 80 years.
A pre-existing condition is a medical ailment that existed before the start of the visitors insurance cover. One of the biggest concerns for travelers and very important is to select pre-existing condition for medical insurance. It is recommended to to find good visitor insurance with Pre-existing conditions coverage, which is particularly important for older travelers and parents.
Compare the benefit options and coverage limits of visitor insurance plans.
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