More than one million people travel to USA from India every year. There are over 3 million people of Indian origin residing in the U.S.; many of them invite their family members to visit them in the United States.
Protect your family by getting insurance for your visitors from India; it is extremely important, as healthcare costs in the U.S. are very high.
Most people inviting their relatives to visit them in the US have excellent medical coverage that is provided by their employer. Many people hosting their relatives do not realize the actual costs of their medical insurance premium because their company covers most, if not all of the cost. Others may not realize just how high cost of healthcare is in the US. Some may not know that it is not possible to add parents as dependents on medical insurance provided by their employer. Too often, the parents visiting from India also do not realize the importance of buying overseas travel insurance and could even consider it to be an unnecessary expense.
In case of an unexpected illness or injury, medical bills can quickly reach tens of thousands of dollars or go even higher, exceeding hundreds of thousands of dollars. That kind of money is simply an unaffordable cost for most people.
Getting a US visa is a lengthy and cumbersome process, but buying insurance for visitors from India is simple and quick.
Buy from USA vs India
Many people use travel agents in India to purchase airline tickets, the travel agents probably try to sell them travel insurance for their journey to the USA. Typically, the Indian travel agents have limited choices, maybe 1 or 2 plans, and most of them have no idea about the details of what they are selling. Simply put, they do not have the expertise or knowledge of how the healthcare system or medical insurance works in the U.S.
It is always better to buy insurance from the U.S. based companies, as it has many advantages:
- Comprehensive coverage plans for all ages.
- PPO network with insurance card. That means cashless claim processing for a smooth experience.
- Extendable if you decide to stay longer.
- Refundable in case of early departure.
- Local customer service in a similar time zone.
- Acute onset of pre-existing conditions coverage for all ages.
- Professional assistance by licensed insurance agents.
- Even though the travel insurance from an Indian company may be more familiar to you, travel insurance from a US based company will be more familiar with U.S. hospitals and physicians.
If you are inviting your parents or other relatives visiting from India, you can purchase the insurance on their behalf. You can make a payment for them, and also specify your mailing address in the U.S. to receive the insurance cards as it would be much easier to receive them within the U.S. In most cases, the insurance company for travelers insurance can make direct payments to medical providers. However, in case you end up paying out of your pocket, it is easy to file a claim for reimbursement of eligible expenses. You can specify your name to receive the reimbursement check directly.
Many people who are inviting their parents to visit from India already have their own medical insurance through their employer so they are not likely to be familiar with purchasing travel medical insurance. Luckily, we have licensed insurance professionals available 7 days a week; representatives that specialize in visitors insurance for USA answer all calls. Our staff is salaried and not on commissions, they will only recommend visitors insurance plans that are most suitable for your needs, and not for their benefit.
Trip Cancellation Insurance
If you are planning to take your parents on a cruise, another expensive trip, flying them in business class, or you just want to insure their trip cost, you may want to consider purchasing trip cancellation insurance. This provides coverage in case they need to cancel their trip for covered reasons, they can be reimbursed for prepaid non-refundable trip expenses.
Don't make the mistake of leaving your parents without visitors insurance as even a small medical issue can cost thousands of dollars. Send them home from their trip with great memories, rather than with a great disruption. Buy visitors insurance for them now.