Ask about age limits, maximums, deductibles, networks, and pre-existing terms before comparing premiums.
Usually not an entry requirement for a short visit, but unexpected U.S. medical care can be very costly.
Compare policy structure, maximums, and key terms against your parents’ age and trip length, not just the price.
Cash pay and claim worries are partly true, but insurance is the realistic way to cap a U.S. emergency bill.
Watch acute-onset limits, PPO network scope, and pre-certification rules before you buy.
Price depends on age, trip length, maximum, and deductible, so compare coverage before the premium.
Routine chronic care is not covered; some plans pay for qualifying acute onset or offer limited pre-existing benefits.
Often not too late, but a policy bought today will not automatically cover a problem that began yesterday.