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All these visitor insurances are useful only for unexpected problems like accidents etc.. They would cover NOTHING for any other problems, because most of the other issues would be pre-existing or because of some other pre-existing conditions.
If you are sure that there will not be any uexpected problems like accidents, then my suggestion is not to waste your money. Also, if the visitors have any past history of health problems like heart attack etc, they are better off not making US trip. It is just not worth it.
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