Parents coming from India often stay for months: for a new baby, a graduation, or simply a long visit with the family. A long stay is wonderful. It also means a long stretch without health cover in a country where a few days in hospital can cost more than most families expect.
Visitor medical insurance from Protect Travel pays toward emergency medical care in the US, up to a limit you choose. Here is how it works and what Indian parents in particular should think about.
Why insurance from India usually isn't enough
Health insurance bought in India is generally built for care in India. Some parents buy an overseas travel policy before they fly. If yours did, check what it pays in the US, how many days it covers and what it says about existing conditions. If they have no cover, or the stay is longer than their policy, a US visitor plan fills the gap.
Who our visitor plans are for
- Visitors to the US who are not US citizens and live outside the US. Parents with Indian or any other non-US citizenship can apply. A parent who is a US citizen may not qualify, even one who also holds an OCI card.
- Not for people who already live here. The plans are for a visit.
- Age limits and a maximum length of cover apply. The quote shows what is available for each parent's age and dates.
What the plans give you
- You choose a medical maximum and a deductible. A higher deductible lowers the price; for a parent staying six months, the medical maximum is the number that protects the family.
- Emergency medical care and emergency medical evacuation are included.
- You can compare our visitor medical plans side by side on the quote.
Diabetes, blood pressure and heart conditions
These are the questions Indian families ask most. In general terms:
- Routine care isn't covered. Check-ups, regular medicine and ongoing treatment for diabetes or blood pressure aren't paid by visitor plans. Bring enough medicine for the whole stay.
- A sudden flare-up may be covered. Some plans cover a sudden, unexpected flare-up of an existing condition, with limits that depend on the plan and the visitor's age.
- Read the plan details. Plans can set their own rules for heart and blood pressure treatment, so check them before you buy.
Our pre-existing conditions guide explains the idea. Terms, conditions, limitations and exclusions apply.
Buying it for your parents
You can buy the plan on their behalf online from the US. You'll need each parent's name, date of birth, US dates and India as the home country.
When to buy and extend
Buy before the flight so cover starts on arrival. If the visit is extended, extend the plan before its end date so there is no gap in cover.
Get a quote
Pick "Traveling to the US", enter each parent's age, the dates and India as the home country. You'll see each plan's price for the medical maximum and deductible you choose. Questions? Call Protect Travel at 877-720-6696 (Mon–Fri, 9am–6pm ET) or email info@protecttravel.com.
Get a quote from Protect Travel →
Terms, conditions, limitations and exclusions apply. See the plan details on our website before you buy.
Frequently asked questions
Is visitor insurance required for parents visiting from India?
A US visitor visa doesn't generally require health insurance, but without it your family pays US hospital bills in full.
Does visitor insurance cover diabetes or high blood pressure?
Not routine care. Some plans cover a sudden, unexpected flare-up of an existing condition, with limits by plan and age. Terms, conditions, limitations and exclusions apply. Check the plan details before you buy.
Can I buy the plan for my parents from the US?
Yes. You can buy it on their behalf online at Protect Travel with their details and India as the home country.
My parents are staying six months. Can the plan cover the whole visit?
Yes, a long visit can be covered, up to each plan's maximum period. Buy the full stay up front or extend before the end date. Terms, conditions, limitations and exclusions apply.
Are there age limits?
Yes. Age limits apply, and some benefits change with age. The quote shows the plans available for each parent's age. Terms, conditions, limitations and exclusions apply.
Can my parents visit Canada or another country during the trip?
Some plans allow short side trips outside the US during the coverage period. Terms, conditions, limitations and exclusions apply. Check the plan details or call us before they go.
This guide is general information, not medical, legal or immigration advice.
Terms, conditions, limitations and exclusions apply. See the plan details on our website before you buy.