Best Travel Insurance Plans for Parents Visiting the USA. IMG Seven Corners and Visa Coverage Explained

 


When parents visit the United States, their health and well-being are a top concern. Medical care in the U.S. is among the most advanced—but also the most expensive—in the world. That’s why travel insurance isn’t just a recommendation; it’s a necessity. This article explores the best travel insurance plans available from top providers like IMG and Seven Corners, and how these plans address visa-related coverage, especially for B-1/B-2 visa holders.

Why Travel Insurance Is Essential for Visiting Parents

For parents traveling from countries like India, China, or other parts of Asia, even a minor medical issue can lead to thousands of dollars in medical bills. Travel insurance can help cover:

  • Emergency medical expenses
  • Doctor visits
  • Hospitalization
  • Prescription medications
  • Repatriation and emergency evacuation

Having a solid travel insurance plan ensures peace of mind—for both parents and their children residing in the U.S.

Top Insurance Providers: IMG and Seven Corners

1. IMG (International Medical Group)

IMG offers several customizable plans, popular for their affordability and flexibility:

  • Patriot America Plus: Ideal for parents over 60; includes coverage for acute onset of pre-existing conditions.
  • Globe Hopper Senior: Specifically designed for seniors aged 65+, available as single-trip or multi-trip.
  • Coverage Period: Ranges from 5 days to 12 months, renewable.

Key Benefits:

  • Choice of deductible and maximum coverage
  • Direct billing with many hospitals
  • 24/7 multilingual customer support

2. Seven Corners

Seven Corners is another leading provider known for its robust features and international support:

  • Inbound USA: Designed specifically for non-U.S. citizens visiting the country.
  • Travel Medical USA: Provides customizable benefits and higher coverage options.
  • Liaison Travel Plus: Offers coverage for acute onset of pre-existing conditions.

Key Benefits:

  • Emergency medical and evacuation
  • COVID-19 coverage
  • Trip interruption and baggage loss options

Coverage for U.S. Visa Requirements

Many visitors enter the U.S. on B-1/B-2 tourist visas, which do not mandate health insurance. However, for visa approval—especially in consular interviews—it helps to show proof of insurance to demonstrate financial responsibility.

Moreover, for J-1 visa holders (Exchange Visitors) or Schengen visa applicants, specific insurance minimums are mandatory:

  • Medical benefits of at least $50,000
  • Repatriation coverage
  • Emergency evacuation

Insurance providers like IMG and Seven Corners offer visa-compliant plans that meet or exceed these criteria.

Factors to Consider When Choosing Travel Insurance for Parents

  1. Age Limitations: Check if the plan accommodates the age of your parents (especially for those over 70 or 80).
  2. Coverage for Pre-Existing Conditions: Look for plans with acute onset coverage or extended care options.
  3. Network of Hospitals: Ensure the provider has a wide PPO network in the U.S.
  4. Flexibility: Choose a plan that allows extensions and easy renewals.
  5. Claims Process: Opt for companies known for their hassle-free and quick claims resolution.

FAQs: Best Travel Insurance for Parents Visiting the U.S.

1. What is the best travel insurance for parents over 70 visiting the USA?
IMG's Patriot America Plus and Seven Corners’ Inbound USA are excellent choices, offering coverage tailored to seniors with options for acute onset of pre-existing conditions.

2. Do these plans cover COVID-19?
Yes, both IMG and Seven Corners include COVID-19 treatment as part of their travel medical insurance plans, provided it’s not considered a pre-existing condition.

3. Can I purchase travel insurance after my parents arrive in the U.S.?
Some plans allow post-arrival purchase, but it’s best to secure insurance before arrival to avoid waiting periods or denied claims.

4. What’s the difference between acute onset and pre-existing condition coverage?
"Acute onset" refers to a sudden, unexpected flare-up of a pre-existing condition. Most travel insurance plans do not cover ongoing or regular treatments, but do cover acute onset under certain conditions.

5. How long should the insurance coverage last?
Coverage should match the duration of your parents' stay in the U.S. You can purchase short-term coverage initially and extend it if their visit is prolonged.

Conclusion

Choosing the right travel insurance for your parents visiting the U.S. is critical to ensuring their safety and your peace of mind. Reputable providers like IMG and Seven Corners offer reliable, flexible plans that cater specifically to the needs of senior travelers and visa holders. For expert guidance and a wide selection of trusted plans, Visitors Insurance is your go-to resource.

We hope this article has helped you better understand your Visitors Insurance options.

If you need help generating a new quote, please email us at info@visitorsinsurance.com and share the travelers ages, travel dates, visa/green card status, and destination country for the Quickest response.

You can also generate a quote here - https://www.visitorsinsurance.com

If you have any other questions or feedback regarding this post, you can reach us via email at

info@visitorsinsurance.com, toll-free at 800-344-9540/847-897-5120. Or via phone or WhatsApp at 847-897-5120.

Comments

Post a Comment

Popular posts from this blog

Comprehensive Guide to Insurance for Parents Visiting the USA

Image
When parents visit the USA, especially for extended stays, having proper health insurance is crucial. The American healthcare system is complex and can be extremely costly without coverage. This guide will help you navigate the various insurance options available, ensuring your parents are well-protected during their visit. Understanding the Need for Insurance Healthcare in the USA is expensive, and even minor treatments can result in significant expenses. Without insurance, visitors might face financial strain due to unexpected medical emergencies, accidents, or illnesses. Thus, purchasing a suitable insurance plan is essential for peace of mind and financial security. Key Factors to Consider When choosing an insurance plan for parents visiting the USA , consider the following factors: Duration of Stay : The length of the visit can impact the type of insurance needed. Short-term plans may differ from long-term plans in terms of coverage and cost. Age of Parents : Insurance premiums a...
Read more

Trawick International Plans Comprehensive Travel Insurance for Global Travelers

Image
  Traveling abroad comes with excitement and adventure, but it also brings potential risks such as medical emergencies, trip cancellations, or lost luggage. Trawick International Plans offer comprehensive travel and medical insurance solutions tailored to meet the needs of travelers worldwide. Whether you are visiting the U.S., studying abroad, or traveling for business, these plans provide essential coverage to protect you from unexpected expenses. Why Choose Trawick International Plans? Trawick International is a trusted provider known for its flexible and affordable insurance solutions. Their plans are designed for individuals, families, and groups, ensuring reliable coverage regardless of your travel purpose. Key Features of Trawick International Plans Medical Expense Coverage – Covers doctor visits, hospital stays, emergency treatments, and surgeries. Trip Cancellation & Interruption Benefits – Reimburses non-refundable expenses if your trip is canceled or interrupted d...
Read more

Fixed Coverage vs. Comprehensive Coverage – Which is Better?

Image
  Usually, health insurance or visitor insurance plans for non-US citizens appear in two significant natures: fixed and comprehensive.  Defining Fixed Coverage and Comprehensive Coverage Plans -  Fixed coverage plans are lucrative & cost-efficient and provide necessary(basic) coverage. These are also known as Schedule of Benefit or Economy Benefit Plans.  Comprehensive Coverage plans offer more expansive coverage. These are also known as Premium Coverage Plans, and they provide much flexible coverage than Fixed Benefit Plans.  The difference between the two is primarily for pricing and the extent of care.  With slightly higher costs than Fixed Plans — Comprehensive visitor insurance plans offer more benefits. Trip security, such as baggage loss or trip interruption coverage, is included in the plans. While Comprehensive Coverage Plans let you visit any doctor, it is recommended that you stay within your provider network. The cost of receiving treatment...
Read more