It’s all settled. Your parents’ trip to the U.S. is confirmed, and the only thing remaining is purchasing visitors health insurance. When your parents booked the tickets from their country, the travel agent offered them visitors insurance for a low sum. Isn’t that the best option to go with? After all, how likely is it that your parents will fall sick?

This is the question in the minds of many a child whose parents come to visit them in the U.S. First things first, when purchasing insurance—be it short term health insurance or long term health insurance, you must think about the worst case scenario. In this case, it is that the parents do fall sick. If they do, you want them to be covered.

Second, purchasing insurance from the home country has its advantages, no doubt. It is probably a bit cheaper than it is in the U.S. However, consider the downside: It is not possible, in most cases, to have cashless settlement when visitors insurance is purchased from home.

Third, think about service. Purchasing from a reputed source from the U.S. can assure one of good customer service, and that the plan actually works. Concurrent time zones also help clarify any queries easier, when time is of the essence. Some plans are suspicious and selective about reimbursements for visitors medical insurance. However, if you do decide to go with home country visitors insurance, be sure to read the fine print.