Healthcare in the U.S. is extremely expensive, and without good travel health insurance, even a simple doctor’s visit can become a financial burden. In 2025, the cost of travel health insurance for visitors to the US ranges between $20 and $172 per month, depending on the age, the insurance company, the type of visitors insurance, the coverage limits, and whether you want coverage for pre-existing conditions. If you are looking for a cheap option, some plans cost as little as $1 to $5 per day, making it an affordable way to stay covered.
Why is travel insurance USA is so important ? A routine doctor’s visit can cost between $250 to $350, while a heart attack will leave you with a bill of at least $25,000. If you need to stay in the ICU after a stroke, the cost can exceed $150,000. Even something as routine as an echocardiogram ranges from $1,500 to $4,000, depending on where you get it. Emergency treatments for conditions like diabetes complications cost anywhere from $3,500 to $7,000, and if you need treatment for kidney failure, expect to pay over $30,000.
Cheap visitor health insurance for visitors to USA starts at $19 per month for fixed benefit plans.
The cost of visitor insurance is calculated based on one-month quotes.
Plan Name | Plan max range | Deductible | Age 35 | Age 55 | Age 75 |
---|---|---|---|---|---|
Safe Travels Advantage | $25,000 - $150,000 | $0 | $19 - $54 | $29 - $82 | $59 -$160 |
Visitors care | $25,000 - $100,000 | $100 | $19 - $41 | $29 - $62 | $64 - $144 |
Safe Travels Elite | $25,000 - $175,000 | $0 | $25 - $71 | $36 - $110 | $105 - $150 |
Visit USA Budget | $50,000 - $150,000 | $250 | $30 - $49 | $42 -$74 | $81 |
VisitorSecure | $50,000 - $130,000 | $100 | $31 - $55 | $46 - $84 | $93 - $135 |
Travel Medical USA visitor basic | $50,000 - $150,000 | $100 | $39 - $47 | $56 - $68 | $178 - $196 |
The cost of comprehensive visitor insurance starts around $53 month, depending on factors such as age, coverage limits, deductible, and optional add-ons. Higher-tier plans with extensive coverage, including pre-existing condition benefits and lower deductibles, tend to be more expensive. On average, a good comprehensive health insurance plan costs $58 to $108 per month for a 35 year old traveler.
The best visitor health insurance for visitors to USA cost is calculated based on one-month quotes.
Plan name | Plan maximum | Age 35 | Age 55 | Age 75 |
---|---|---|---|---|
Atlas Essential America | $50,000 - $1,000,000 | $53 - $98 | $117 - $200 | $244 - $326 |
Visitors Preferred | $50,000 - $1,000,000 | $53 - $99 | $123 -$231 | $244 |
Patriot America Plus | $50,000 - $1,000,000 | $57 - $106 | $124 - $235 | $279 - $420 |
Safe Travels USA | $50,000 - $1,000,000 | $57 - $103 | $123 - $227 | $244 - $321 |
VenbrookPremier | $50,000 - $1,000,000 | $58 - $104 | $129 - $240 | $352 - $437 |
Atlas America | $50,000 - $2,000,000 | $58 - $114 | $127 - $253 | $344 - $429 |
Safe Travels USA Comprehensive | $50,000 - $1,000,000 | $66 - $122 | $143 - $269 | $285 - $455 |
Atlas Premium America | $50,000 - $2,000,000 | $72 - $142 | $158 - $316 | $430 - $537 |
Diplomat America | $50,000 - $1,000,000 | $81 - $142 | $176 - $303 | $342 |
Travel Medical Choice | $50,000 - $1,000,000 | $98 - $173 | $186 - $333 | $736 - $1,000 |
Patriot America Platinum | $1,000,000 - $8,000,000 | $108 - $226 | $240 - $494 | $604 |
Visit USA Superior | $250,000 | $112 | $233 | $404 |
For a 60 years old traveler, the cost of USA visitor insurance for extended stay typically ranges around $122 to $1,050, based different coverage options on American Visitor Insurance. The best 6 month USA travel insurance which is affordable, reliable and essential depends on the age, medical needs, and traveler’s budget. From ER visits to urgent care, stay covered for 6 months in the U.S starting from just $1.50/day!
Important Definations | Advantages | Disadvantages |
---|---|---|
flight Travel health insurance USA plans | ||
Fixed benefit US travel insurance: These cheap travel insurance for usa plans have specific limits for different medical expenses. These limits are not the same as the plan medical maximum. | These plans do not have any sub-limits to get visitor coverage for specific medical conditions. This is the cheapest travel insurance but with basic coverage. | These are cheap travel insurance plans with a restricted visitor coverage, and is limited to specific ailments or illness. |
Comprehensive travel insurance USA: These plans do not have benefit limits based on the type of medical expense. Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance) | Cost depends mainly on age of traveler. Comprehensive travel insurance paying up to the policy maximum | More Expensive than fixed benefits |
ecg_heart Pre-existing conditions coverage | ||
Acute Onset of a Pre-Existing Condition open_in_new |
If the insured person is diagnosed with a disease or medical condition, this visitors coverage is very important. | Most expensive for full pre-existing conditions coverage, and cheapest where pre-existing conditions is not covered at all. |
Full Pre-existing Conditions Coverage open_in_new |
||
refresh Renewability | ||
Travelers can renew their existing policy online. Extension of insurance policy should be done before the expiry date. | Visitors need to stay on the same policy without break in coverage | Some plans are not renewable. Here a new policy should be purchased and existing ailments are considered pre-existing and may not be covered. |
location_city Provider Network | ||
A Provider network (PPO) is a network of participating providers like hospitals and doctors, that are affiliated with the insurance company. Most insurance plans have nationwide PPO network. | The billing by hospitals is lower within a PPO network. PPO also offer more services like vision, dental or prescription drugs when compared to Non PPO plans. | PPO network might not be in the hospital which you would like to visit |
pregnant_woman Maternity | ||
Some US visitors need medical insurance for maternity. A few USA medical insurance for visitors and some student medical insurance plans offer limited coverage for maternity. | This covers complications of pregnancy and new born care. | Some plans cover new born care up to 31 days only |
description Different type of Visas with some specific insurance requirements | ||
J1 visa holders need insurance according to US authority requirements. F1 visa holders are usually mandated by Universities to have students insurance. Schengen visa insurance is needed while applying for Schengen visa. | In the USA health care is very expensive and hence health insurance for tourist visa in usa is important. | You need to select a policy that aligns with the intended length of your stay if not you need to extended the policy or need to buy new policy. |
flight US citizens traveling outside USA | ||
Travel Medical Insurance | Focus on the health of the traveler | No coverage for the vacation related expenses. |
Trip cancellation insurance | Designed to cover the entire cost of the trip | Coverage also vacation related expenses. Higher cost than travel medical insurance. |
sports_baseball Adventure sports | ||
Some travel medical insurance plans offer adventure sports coverage for activities such as bungee jumping, skydiving, or wildlife safaris | These plans involve a high level of risk these can be covered | - |
Reliability: A.M Rating evaluates the financial stability and reliability of the insurance company.
Benefit Period: The greater the benefit period the better the coverage.
Deductible: Deductible is what the customer pays before the insurer pays anything.
Coinsurance: Coinsurance is the what the customer should pay for any given expense after paying the deductible. The Co-insurance is typically a percentage of the bill (20%, 25 % etc…)
Coverage types
Coverage regions
Coverage duration
Visitor medical insurance plans that are available seem appear very similar on the first glance, however while many of these visitors insurance plans common benefits and similar prices, different visitors have their unique requirements. Each visitors health insurance plan might have additional coverages or some specific constraints. In order to choose the best plan based on ones’ requirements, it is important to compare visitors insurance coverage provided by different visitor travel insurance plans.
Yes, it is very important and definitely worth it to get the best visitor health insurance coverage in the USA. There are several reasons to get visitors insurance, the most factor important being the extremely high cost of healthcare in the US. The US Government health website details the very high cost of US healthcare costs. While it is exciting to visit the US, being forced to visit an US hospital can be traumatic if one does not have proper visitors health insurance coverage. In the context of very high US healthcare costs, the cost of visitors insurance is not high, so it is very important to get the best visitors health insurance coverage while traveling in the United States.
There are different factors for buying best health insurance for USA visitors. Visitors should compare fixed benefits and comprehensive visitor insurance plans. Foreign visitors to USA travel insurance customers should understand the concepts of deductibles and co-insurance and Pre-existing conditions travel health insurance. A prudent and well informed traveler will make the correct choice while buying tourist insurance in USA for his or her unique needs. While the best travel insurance for USA varies from traveler to traveler, the following list can be considered the best health insurance for foreign visitors to USA based on their popularity.
Some of the travel insurance plans provide direct settlement and some may not. This is something that the customer can clarify directly by talking to the insurance company. This information may not be available in the brochure of the plan or the policy letter. It is also dependent on the medical provider.
This is exactly the question that our website is dedicated to answering. We strive to be a one-stop shopping comparison site giving you a range of us visitor health insurance coverage options for different situations. Whether you want to insure your parents or other family members who are visiting the US, or traveling overseas for a short vacation, we provide a range of excellent visitor health insurance coverage options! What is the value of a special cruise with your family? We have a visitor insurance plan for that.
Do you need insurance to meet Schengen visa requirements to travel to Europe? Are you traveling from the US to Europe or the Caribbean for a vacation ? We can find the ideal travel insurance coverage for your needs. Are you a older traveler with controlled diabetic who is planning a vacation abroad? We have a plan that can set your mind at ease and cover whatever may befall you. Remember we have licensed agents that can assist you to in finding the right plan.
It is never too late to buy travel health insurance in the USA unless the traveler is already sick or injured. As long as the traveler is healthy, you can purchase a policy nearly any time you need to have visitors insurance coverage for future accident or illness. There are a few policies for coverage in the US which have time limits on when you can purchase them since your latest arrival to the US. However, there are other companies who do not mind how long you have been in the country. We will help you find the best visitor insurance for your needs!
Yes, American Visitor Insurance offers a wide range of america travel insurance plans for international travelers offered by top US insurance providers. Their policies include coverage for medical emergencies, trip cancellations, and pre-existing conditions.
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Visitor insurance resources
International travel insurance resources for travel emergency while outside your home country.
Factors for travel insurance
Important factors to consider while deciding on the best visitors medical insurance.
Types of visitor insurance
Understanding different types of US visitor health insurance options, fixed benefits vs comprehensive coverage.
Claims Procedure
Helping travelers with the insurance claims process for getting medical care in a hospital.