I should clarify my understanding of the BUPA. I was told by PARC that it will cover you in the US for the 1st 20 some days of your time in the US and visits have to be pre-approved unless an emergency. I should have been more specific and said that it won't really provide effective family coverage in the US unless they come and go each month, from my understanding. That being said, I have never tried to us it in the US so I dont really know for sure, so if my info is wrong, please correct it.