Visitor Health Insurance for Parents

Atlas Travel Insurance


Customizable travel medical insurance for single trips.



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United States residents or expatriates whose families live overseas often look forward to the day their parents come to visit. But international travel has its risks, and preparing for the unexpected can be a challenge.

One way to do so is to purchase a visitor health insurance plan that covers your parents throughout their stay in the U.S.

Along with up to $2,000,000 in coverage for unexpected illness and injury, Tokio Marine HCC – MIS Group’s Atlas America® insurance offers important travel medical benefits, travel assistance services, and 100% coverage for eligible expenses (after the deductible and up to the overall maximum limit).

You can complete the Atlas America application on behalf of your parents and use your credit card (or theirs) to complete the transaction.

Read on to discover more features of Atlas America or learn what to look for in a policy–and be sure to check out the FAQ!

Why do my parents need visitor health insurance?

  • Your parents’ domestic health insurance may not cover them outside of their home country. And as you likely know, people in the United States are responsible for their own health expenses, meaning your parents will be financially liable for any medical costs they incur while visiting you from abroad.

  • If your parents need a visa to enter the country, they may be required to show proof of their ability to pay return travel, lodging, and medical costs, notes Path2USA. A visitor health policy could help demonstrate their ability to pay for medical expenses by showing that they have coverage for unexpected injury or illness.

  • Older parents are more likely to sustain falls that could result in injury. According to the World Health Organization, falls are most often suffered by adults over age 65. In 2014 in the United States alone, seniors experienced 29 million falls, resulting in 7 million injuries. Visitor health insurance for parents can cover medical expenses resulting from unexpected injury, including local ambulance, hospital room and board, and surgery costs.

What should I look for in a visitor health plan for my parents?

High Overall Maximum Coverage Limit

This is the maximum amount of money your parents’ visitor health policy will pay toward their eligible expenses. Accidents, injuries, and illnesses requiring hospitalization can result in large medical bills. High coverage limits can combat these bills by covering your parents’ eligible medical expenses should they need to seek treatment or care while visiting you in the U.S.

How Atlas America Provides Coverage

Atlas America insurance offers two different policies which vary slightly in overall maximum coverage. Both Atlas Travel and Atlas Premium offer up to $2,000,000 in overall maximum coverage to individuals age 69 and younger, and $50,000, $100,000, or $150,000 in overall maximum coverage to those between ages 70 and 79.

As with most travel medical policies, overall maximum coverage options are limited for seniors age 80 and older. Atlas Travel offers a $10,000 maximum to this age group, while Atlas Premium offers a $20,000 maximum.

Quality Medical Benefits

Because you never know when an illness will occur or when an accident will result in injury, it’s important to ensure your parents are covered for unexpected ailments. Travel medical insurance covers eligible expenses resulting from doctors’ visits, hospitalizations, local ambulance rides, and even physical therapy. It’s important to note that travel medical insurance generally does not cover pre-existing conditions.

How Atlas America Provides Coverage

For injury and illness incurred inside the U.S., your parents will be 100% covered for eligible expenses (after the deductible and up to the overall maximum limit). 

Atlas America covers eligible expenses for:

  • Hospital room and board
  • Local ambulance
  • Intensive care unit
  • Physical therapy
  • Sutures and casts
  • Surgery at an outpatient surgical facility
  • Diagnostic testing services, and more

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Accidental Death Benefits

While no one wants to consider the possibility of a parent passing away, it’s important to make sure your surviving parent and family members would be taken care of if the worst were to happen. An Accidental Death & Dismemberment (AD&D) benefit can provide financial compensation to the beneficiary listed on your parents’ policy.

How Atlas America Provides Coverage

If a worst-case scenario occurs as your parents travel to or within the U.S., resulting in a loss of eye(s), limb(s), or life, your parents’ Atlas policy will pay the amount indicated in the Schedule of Benefits to the policy’s beneficiary.

Additionally, the Repatriation of Remains benefit can cover eligible costs associated with the return of your deceased parent’s remains back to his or her home country. In lieu of repatriation, a Local Burial or Cremation benefit can provide up to $5,000 for eligible expenses.

Supplemental Travel Benefits

Because it’s impossible to know whether your parents will face a delay in their travel plans or a mishap with their luggage, it’s important to ensure they have coverage for these unanticipated circumstances.

How Atlas America Provides Coverage

If your parents’ flight is delayed over 12 hours, their carrier loses their checked luggage, or their trip is interrupted due to a death in your immediate family, Atlas Travel will reimburse eligible costs up to the maximum states in the Schedule of Benefits.


Because everyone’s needs and budget vary, a quality visitor insurance policy will provide a variety of deductible and maximum coverage limits for your parents to choose from, as well as an opportunity to extend their coverage if necessary.

How Atlas America Provides Coverage

Atlas America policies are flexible, allowing you to select the deductible, length of coverage, and coverage maximum that best align with your parents’ travel needs.

Plus, if you need to extend their coverage after you purchase the policy, you can extend it (5-day minimum) up to a maximum of 364 days from their initial coverage start date. Provided there is no break in coverage, they will not be required to re-satisfy their deductible and their benefit limits will not reset.

Learn more about Atlas America insurance.

U.S. Provider Search Engine

This is an online directory that helps you locate nearby doctors, hospitals, and clinics.

How Atlas America Provides Coverage

Tokio Marine HCC – MIS Group’s large online directory of hospitals and healthcare facilities helps you locate a nearby medical provider–no matter where your parents are in the United States.

Travel Assistance Services

Navigating an unfamiliar country can be intimidating, especially to visitors who don’t speak the language. You’ll likely be able to assist your parents when they need help–but when it comes to replacing a lost travel document or obtaining an emergency cash transfer, your parents may benefit from assistance services.

How Atlas America Provides Coverage

As Atlas America policyholders, your parents will receive access to our full line of travel assistance services, available in multiple languages 365 days a year. These services include:

  • Lost passport and travel documents assistance
  • Tracking for lost luggage
  • Assistance with emergency cash transfers
  • Embassy and consulate referrals
  • Legal and accounting referrals
  • Provider referrals

Atlas America Insurance

Atlas America insurance from Tokio Marine HCC – MIS Group offers two different policies to international visitors:

  • ATLAS TRAVEL: Flexible and budget-friendly, this balanced plan offers high coverage limits for single international trips.

  • ATLAS PREMIUM: This elite plan offers even higher coverage limits for a number of important benefits.
Get an Atlas America Quote

Visitor Health Insurance for Parents FAQ

Frequently Asked Question

Can I purchase one policy for both of my parents?

Answer to Frequently Asked Question

As long as your parents are in the same age group (see “Will my parents’ ages affect their coverage options or cost?” below), you can purchase one policy for both of them. Should one parent need to return home early or cut the trip short for any reason, you will have the option to cancel his or her policy while the other parent’s policy remains active – unless there are claims on file for the parent who wishes to cancel.

Be sure to review the cancellation policy so you know whether you’ll be eligible for a refund and whether fees will apply.

Frequently Asked Question

Will my parents need to show proof of visitor health insurance to be approved for their visa?

Answer to Frequently Asked Question

Visa requirements vary by visa type. To see the list of requirements for your parents’ visas, visit the U.S. Department of State website.

Even if your parents’ visas do not require them to have visitor health insurance, they may require proof of funds that could cover expenses incurred in the United States, including healthcare costs. A visitor health plan like Atlas America could help demonstrate their ability to pay for medical expenses by showing that they have coverage for unexpected injury or illness.

Frequently Asked Question

Will my parents’ ages affect their coverage options or cost?

Answer to Frequently Asked Question

Because age factors into overall policy cost, older parents (typically age 70 and above) generally face higher premiums. You may also find that your parents’ ages limit their options when it comes to choosing their overall maximum coverage.

Because policy options are separated by age, you will need to apply for separate policies if your parents are in different age groups.

Overall coverage maximum options for Atlas America policies are as follows:

  • Travelers Age 69 and Below: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000
  • Travelers Age 70 to 79: $50,000, $100,000, or $150,000
  • Travelers Age 80 or older: $10,000 for Atlas Travel / $20,000 for Atlas Premium

Learn more about how cost is configured or get your free Atlas quote now!

Frequently Asked Question

What is not covered by Atlas America insurance?

Answer to Frequently Asked Question

Certain types of medical expenses are excluded from Atlas America insurance coverage. Here are some of the more asked-about exclusions:

  • Pre-existing conditions*
  • Routine medical examinations and care (i.e. wellness exams, ongoing prescriptions, etc.)
  • Routine pre-natal, pregnancy, childbirth, and post-natal care
  • Medical expenses for injury or illness resulting from participation in some extreme sports
  • Medical expenses related to any form of cancer or neoplasm
  • Mental health disorders
  • Injury due in whole or in part to the effects of intoxication or drugs (this does not refer to drugs taken in accordance with treatment prescribed by a physician)

For a full list of exclusions, be sure to read through the Description of Coverage.

*A pre-existing condition is any condition:
  • for which medical advice, diagnosis, care, or treatment was recommended or received within a defined period of time prior to your effective date of coverage (this specified period of time varies from plan to plan and typically ranges from 60 days to 2 years)
  • which would cause a reasonably prudent person to seek medical advice, diagnosis, care, or treatment within the defined period of time prior to your effective date of coverage
  • that existed (with reasonable medical certainty) prior to your effective date of coverage, whether or not it was known to you

What happens if you get sick overseas? Guarantee you have health coverage.


Tokio Marine HCC - MIS Group international insurance products are underwritten by Lloyd’s. Tokio Marine HCC - Medical Insurance Services Group (MIS Group) is a service company and a member of the Tokio Marine HCC group of companies. Tokio Marine HCC - MIS Group has authority to enter into contracts of insurance on behalf of the Lloyd’s underwriting members of Lloyd’s Syndicate 4141, which is managed by HCC Underwriting Agency Ltd.