5 Must-Know Travel Insurance Tips for Visiting Parents

Published on April 15, 2025

When your parents or loved ones are visiting from India, making sure they are covered with the right travel insurance plan is crucial. Medical care in countries like the U.S. can be extremely expensive without proper coverage. Here are 5 important tips you should keep in mind:

1. Choose Comprehensive Coverage

Look for plans that offer comprehensive coverage including emergency medical, hospital visits, and outpatient care. Some plans also include dental and prescription drug coverage.

2. Understand the Deductibles and Co-payments

Deductibles are the amount you pay before the insurance starts covering expenses. Lower deductibles mean higher premiums, but can save you more in case of hospitalization.

3. Pre-Existing Condition Waivers

Some plans cover acute onset of pre-existing conditions, which is critical for senior visitors. Always read the fine print and ask questions before you buy.

4. Check Provider Network and Claims Process

Make sure the insurance provider has a wide hospital network and a clear, fast claims process. Look for online claims tracking or support services.

5. Compare and Customize

Don't just go with the first option. Compare plans on parameters like coverage limits, premium cost, and reviews. At Persfinsure, we help you select the best option tailored to your family's needs.

Want personalized help? Email us — we’re happy to guide you through the options.