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Best medical insurance for visitors to USA

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Optional add-on benefits

Which is the best insurance for visitors in USA?

star Rating: A (Excellent) edit_square Underwriter: Crum & Forster SPC
  • Cheapest travel insurance for non-US citizens visiting USA, up to 89 years old
  • Coinsurance: Pays 80% of coinsurance per period
  • Hospitals/Doctors: First healthcare network
  • Covid19: Covered as any other sickness
  • Acute onset of pre-existing condition: Up to policy maximum for ages up to 89 years
  • Emergency medical evacuation: Unlimited
  • Renewable: Can be renewed and extended up to 364 days
  • Cancellation: Before effective date full refund of premium is available
    After effective date $25 cancellation fee will be charged by the insurance company
  • Policy maximum
    $25,000, $50,000, $100,000 $150,000

  • Deductible options
    $0

  • Period of coverage
    5 days to 364 days

Visitors Care Insurance Fixed benefit

star Rating: A(Excellent) edit_square Underwriter: SiriusPoint Specialty Insurance Corporation
  • Travel medical insurance for international travelers visiting the US.
  • Coinsurance: Pays a fixed sum
  • Hospitals/Doctors: First healthcare network or United HealthCare
  • Covid19: Covered as any other illness or injury
  • Acute onset of pre-existing condition: Covers under the age of 70 years
  • Emergency medical evacuation: Up to $50,000
  • Renewable: For a maximum of 2 years.
  • Cancellation: Before effective date full refund of premium is available.
    After effective date $25 cancellation fee will be charged by the insurance company.
  • Policy maximum
    $25,000, $50,000, $100,000

  • Deductible options
    $0, $50, $100

  • Period of coverage
    5 days to 2 years

star Rating: A(Excellent) edit_square Underwriter: Zurich Insurance Europe AG Belgian branch
  • Travel insurance for non-US citizens visiting the US.
  • Coinsurance: Pays a fixed sum
  • Hospitals/Doctors: First healthcare network
  • Covid19: Covered as any other sickness
  • Acute onset of pre-existing condition: Covered up to policy maximum up to the age of 69
  • Emergency medical evacuation: Unlimited
  • Renewable: Can be renewed up to 364 days
  • Cancellation: Before effective date full refund of premium is available.
    After effective date $25 cancellation fee will be charged by the insurance company.
  • Policy maximum
    $25,000, $50,000, $75,000, $100,000, $175,000

  • Deductible options
    $0

  • Period of coverage
    5 days to 364 days

VisitorSecure Insurance Fixed benefit

star Rating: AA- from Standard & Poor's and Fitch Ratings, and A++ (Superior) from A.M. Best edit_square Underwriter: Lloyd’s Syndicate 4141
  • Affordable scheduled benefit plan for visitors to USA
  • Coinsurance: Pays a fixed sum
  • Hospitals/Doctors: First healthcare network
  • Covid19: Covered as any other sickness
  • Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years
  • Emergency medical evacuation: Up to $50,000
  • Renewable: Can be renewed and extended up to 364 days
  • Cancellation: Before effective date full refund of premium is available.
    After effective date $25 cancellation fee will be charged by the insurance company.
  • Policy maximum
    $50,000, $75,000, $100,000, $130,000

  • Deductible options
    $0, $50, $100

  • Period of coverage
    5 days to 364 days

star Rating: "A" (Excellent) edit_square Underwriter: Lloyd's of London Company
  • Affordable travel insurance is available for non-US citizens visiting the US.
  • Coinsurance: Pays a fixed sum
  • Hospitals/Doctors: No PPO, visit any doctor or hospital.
  • Covid19: Covered as any other sickness
  • Acute onset of pre-existing condition: Coverage is $2,500 for individuals aged 65 and above and $20,000 for all others.
  • Emergency medical evacuation: $100,000 lifetime maximum
  • Renewable: Can be renewed and extended up to 364 days
  • Cancellation: Before effective date full refund of premium is available.
    After effective date $25 cancellation fee will be charged by the insurance company.
  • Policy maximum
    $50,000, $150,000

  • Deductible options
    $0, $50, $100, or $250 per incident

  • Period of coverage
    5 days to 364 days

star Rating: "A" (Excellent) edit_square Underwriter: Crum & Forster SPC
  • Cheap visitor insurance for Non US residents visiting the US.
  • Coinsurance: Pays a fixed sum
  • Hospitals/Doctors: First healthcare network or United HealthCare
  • Covid19: Covered as any other sickness
  • Acute onset of pre-existing condition: Covers under the age of 79 years
  • Emergency medical evacuation: Up to $100,000
  • Renewable: Can be renewed and extended up to 364 days
  • Cancellation: Before effective date full refund of premium is available.
    After effective date $35 cancellation fee will be charged by the insurance company.
  • Policy maximum
    $50,000, $100,000, $150,000

  • Deductible options
    $0, $50, $1000, $200

  • Period of coverage
    5 days to 364 days

INF Premier X Insurance Fixed benefit

star Rating: "A" (Excellent) edit_square Underwriter: Crum & Forster SPC
  • Fixed benefit insurance for non-US residents to the USA with pre-existing conditions
  • Coinsurance: In-network: pays 100% of the usual and customary charges
  • Hospitals/Doctors: United HealthCare
  • Covid19: Covered as any other sickness
  • Pre-Existing Condition: Covers up to 99 years
  • Maternity:Covers emergency medical treatment for pregnancy
  • Emergency medical evacuation: Up to $85,000
  • Renewable: Can be renewed and extended up to 364 days
  • Cancellation: Before effective date full refund of premium is available.
    After effective date $25 cancellation fee will be charged by the insurance company.
  • Policy maximum
    $100,000, $150,0000, $300,000, $500,000, $1,000,000

  • Deductible options
    $75, $100, $250, $500, $1,000, $2,500, $5,000

  • Period of coverage
    90 days to 364 days

Safe Travels USA Insurance Comprehensive benefit

star Rating: "A" (Excellent) edit_square Underwriter: Zurich Insurance Europe AG Belgian branch
  • Available for non-U.S. citizens / residents, traveling to the USA, up to 89 years old
  • Coinsurance: Plan 90% of the first $2,500 then 100% up to the policy maximum.
  • Hospitals/Doctors: First healthcare network
  • Covid19: Covered as any other sickness
  • Unexpected recurrence of a pre-existing condition Up to $1,000 for those up to age 69
  • Emergency medical evacuation: 100% up to $1,000,000
  • Maternity: Emergency medical treatment for pregnancy up to $1,000
  • Optional add-on benefits
  • Renewable: Can be renewed and extended up to 364 days
  • Cancellation: Before effective date full refund of premium is available.
    After effective date $50 cancellation fee will be charged by the insurance company.
  • Policy maximum
    $50,000, $100,000, $150,000

  • Deductible options
    $0, $50, $1000, $200

  • Period of coverage
    5 days to 364 days

Patriot America Lite Insurance Comprehensive benefit

star Rating: "A" (Excellent) edit_square Underwriter: SiriusPoint Specialty Insurance Corporation
  • Best medical insurance for non-US citizens traveling to the US, up to 99 years
  • Coinsurance: In-network: 100% coverage
    Out-of-network: 80% up to $1,000, then 100% up to the maximum limit
  • Hospitals/Doctors: First healthcare network or United HealthCare
  • Covid19: Covered as any other sickness
  • Pre-existing condition: Not covered
  • Emergency medical evacuation: Up to $1,000,000
  • Optional add-on benefits
  • Renewable: Can be renewed and extended up to 24 months
  • Cancellation: Before effective date full refund of premium is available.
    After effective date $50 cancellation fee will be charged by the insurance company.
  • Policy maximum
    $50,000, $100,000, $150,000

  • Deductible options
    $0, $50, $1000, $200

  • Period of coverage
    5 days to 364 days

Visitors Preferred Insurance Comprehensive benefit

star Rating: “A-” by A.M. Best edit_square Underwriter: SiriusPoint Specialty Insurance Corporation
  • Travel medical insurance for non-US citizens visiting the US, up to 99 years
  • Coinsurance: In-network: 100% coverage
    Out-of-network: Plan pays 80%
  • Hospitals/Doctors: First healthcare network or United HealthCare
  • Covid19: Covered as any other sickness
  • Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years
  • Emergency medical evacuation: Up to $1,000,000
  • Optional add-on benefits
  • Renewable: Can be renewed and extended up to 24 months
  • Cancellation: Before effective date full refund of premium is available.
    After effective date $50 cancellation fee will be charged by the insurance company.
  • Policy maximum
    $50,000, $100,000, $500,000, $1,000,000

  • Deductible options
    $0, $100, $250, $500, $1,000 $2,500

  • Period of coverage
    5 days to 12 months

Venbrook Premier Insurance Comprehensive benefit

star Rating: A (Excellent) by AM Best Company 2024 edit_square Underwriter: Crum & Forster SPC
  • Visitor medical insurance for non-US citizens traveling to the US, up to 99 years old
  • Coinsurance: After deductible, plan covers 100% up to the maximum
  • Hospitals/Doctors: No PPO, visit any doctor or hospital
  • Covid19: Covered as any other sickness
  • Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years
  • Emergency medical evacuation: Up to $1,000,000
  • Optional add-on benefits
  • Renewable: Can be renewed and extended up to 364 days
  • Cancellation: Before effective date full refund of premium is available.
    After effective date $25 cancellation fee will be charged by the insurance company.
  • Policy maximum
    $50,000, $100,000, $250,000, $500,000, $1,000,000

  • Deductible options
    $0, $100, $250, $500, $1,000 $2,500, $5,000

  • Period of coverage
    5 days to 12 months

Atlas America Insurance Comprehensive benefit

star Rating: Rating: A++ (Superior) edit_square Underwriter: Lloyds, London
  • Medical insurance for non-US citizens traveling to the US, up to 99 years old
  • Coinsurance: In-network: Plan pays 100% up to policy maximum
  • Hospitals/Doctors: Unitedhealthcare
  • Covid19: Covered as any other sickness
  • Acute onset of pre-existing condition: Up to policy maximum for ages up to 79 years
  • Emergency medical evacuation: Up to $1,000,000
  • Maternity: Covers complications of pregnancy in the first 26 weeks
  • Border entry Protection: Up to $500 if denied entry to the U.S. on a valid B-2 visa.
  • Adventure Sports: Includes coverage for eligible sports injuries and illnesses during vacation at no additional cost
  • Optional add-on benefits
  • Renewable: Can be renewed and extended up to 364 days
  • Cancellation: Before effective date full refund of premium is available.
    After effective date $25 cancellation fee will be charged by the insurance company.
  • Policy maximum
    $10,000 to $2,000,000

  • Deductible options
    $0 to $5,000

  • Period of coverage
    364 days

star Rating: "A" (Excellent) edit_square Underwriter: Lloyd's of London
  • Visitor insurance for Non US citizens traveling to the US, up to 99 years old
  • Coinsurance: In-network: 100% PPO
    Out-of-network: Usual, reasonable and customary
  • Hospitals/Doctors: Unitedhealthcare or First HealthCare
  • Covid19: Covered as any other sickness
  • Acute onset of pre-existing condition: Covers up to $25,000, with a limit of $2,500 for those aged 65 and above
  • Emergency medical evacuation: Up to $500,000
  • Optional add-on benefits
  • Renewable: Can be renewed and extended up to 364 days
  • Cancellation: Before effective date full refund of premium is available.
    After effective date $25 cancellation fee will be charged by the insurance company.
  • Policy maximum
    $10,000 to $2,000,000

  • Deductible options
    $0 to $5,000

  • Period of coverage
    364 days

star Rating: "A" (Excellent) edit_square Underwriter: Zurich Insurance Europe AG Belgian branch
  • Available for non U.S. citizens / residents visiting the USA, up to 89 years old
  • Coinsurance: Plan pays 100% up to the policy maximum
  • Hospitals/Doctors: First HealthCare
  • Covid19: Covered as any other sickness
  • Acute onset of pre-existing condition: Up to policy maximum for those up to age 69
  • Emergency medical evacuation: 100% up to $1,000,000
  • Maternity: Emergency medical treatment for pregnancy, up to $1,000
  • Optional add-on benefits
  • Renewable: Can be renewed and extended up to 364 days
  • Cancellation: Before effective date full refund of premium is available.
    After effective date $25 cancellation fee will be charged by the insurance company.
  • Policy maximum
    $50,000, $100,000, $250,000, $500,000, $1,000,000

  • Deductible options
    $0, $100, $250, $500, $1,000, $2,500, $5,000

  • Period of coverage
    5 days to 364 days

Patriot America Plus Insurance Comprehensive benefit

star Rating: “A” (Excellent) by A.M. Best and “A-” by Standard & Poor’s edit_square Underwriter: SiriusPoint Specialty Insurance Corporation
  • Best travel medical insurance for non-US citizens visiting the US, up to 99 years old
  • Coinsurance: In-network: 100% coverage
    Out-of-network: plan pays 90% of eligible expenses up to $500, then 100%
  • Hospitals/Doctors: First HealthCare or Unitedhealthcare
  • Covid19: Covered as any other sickness
  • Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years
  • Emergency medical evacuation: Up to $1,000,000
  • Optional add-on benefits
  • Renewable: Can be renewed and extended up to 24 months
  • Cancellation: Before effective date full refund of premium is available.
    After effective date $50 cancellation fee will be charged by the insurance company.
  • Policy maximum
    $50,000, $100,000, $250,000, $500,000, $1,000,000

  • Deductible options
    $0, $100, $250, $500, $1,000, $2,500

  • Period of coverage
    5 days to 12 months

Travel Medical Choice Insurance Comprehensive benefit

star Rating: Rating: “A (Excellent)” edit_square Underwriter: Crum & Forster SPC
  • Medical coverage for international travelers visiting United States, up to 99 years
  • Coinsurance: In-network: Plan pays 100%
    Out-of-network: 90% of the first $10,000 in expenses, then 100% up to the medical maximum
  • Hospitals/Doctors: Unitedhealthcare
  • Covid19: Covers up to medical maximum
  • Acute onset of pre-existing condition: Up to policy maximum for ages up to 79 years
  • Emergency medical evacuation: Up to $500,000
  • Optional add-on benefit
  • Renewable: Can be renewed and extended up to 364 days
  • Cancellation: Before effective date full refund of premium is available.
    After effective date $35 cancellation fee will be charged by the insurance company.
  • Policy maximum
    $50,000, $100,000, $250,000, $500,000, $1,000,000

  • Deductible options
    $0, $100, $250, $500, $1,000, $2,500

  • Period of coverage
    5 days to 12 months

Diplomat America Insurance Comprehensive benefit

star Rating: AM Best Rating: "A" (Excellent) edit_square Underwriter: Underwritten by Crum & Forster, SPC
  • Coverage for non-US residents traveling to the USA, up to 99 years old
  • Coinsurance: Plan pays 80% of eligible costs up to $5,000, then 100% up to the medical maximum
  • Hospitals/Doctors: No PPO, visit any doctor or hospital
  • Covid19: Covered as any other illness
  • Acute onset of pre-existing condition: Up to policy maximum for those up to age 69
  • Emergency medical evacuation: Up to $250,000
  • Optional add-on benefits
  • Renewable: Can be renewed and extended up to 364 days
  • Cancellation: Before effective date full refund of premium is available.
    After effective date $25 cancellation fee will be charged by the insurance company.
  • Policy maximum
    $20,000, $50,000, $100,000, $250,000, $500,000 $1,000,000

  • Deductible options
    $0, $50, $100, $250, $500, $1,000, $2,500, $5,000

  • Period of coverage
    15 days to 365 days

Atlas America Premier Insurance Comprehensive benefit

star Rating: Rating: A++ (Superior) Standard & Poor’s Rating AA- edit_square Underwriter: Lloyds, London
  • Ideal for travelers seeking superior medical coverage with high limits in the USA, up to 99 years
  • Coinsurance: In-network: Plan pays 100% up to policy maximum
  • Hospitals/Doctors: Unitedhealthcare
  • Covid19: Covered as same any other illness
  • Acute onset of pre-existing condition: Up to policy maximum for ages up to 79 years
  • Emergency medical evacuation: Up to $1,000,000 lifetime maximum
  • Maternity: Covers complications of pregnancy in the first 26 weeks
  • Border entry Protection: Up to $500 if denied entry to the U.S. on a valid B-2 visa
  • Adventure Sports: Covers eligible sports injuries and illness during vacation at no extra cost.
  • Renewable: Can be renewed and extended up to 364 days
  • Cancellation: Before effective date full refund of premium is available.
    After effective date $25 cancellation fee will be charged by the insurance company.
  • Policy maximum
    $50,000, $100,000, $250,000, $500,000, $1,000,000, $2,000,000

  • Deductible options
    $0, $100, $250, $500, $1,000, $2,500, $5,000

  • Period of coverage
    364 days

Patriot America Platinum Insurance Comprehensive benefit

star Rating: AM Best Rating "A" (Excellent) edit_square Underwriter: SiriusPoint Specialty Insurance Corporation
  • Ideal for travelers seeking first-class medical coverage while traveling to the USA, up to 99 years old
  • Coinsurance: In-network: 100% coverage
    Out-of-network: plan pays 100% upto policy maximum
  • Hospitals/Doctors: First healthcare network or Unitedhealthcare
  • Covid19: Covered as any other illness
  • Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years
  • Emergency medical evacuation: Up to maximum limit
  • Optional add-on benefits
  • Renewable: Can be renewed and extended up to 24 months
  • Cancellation: Before effective date full refund of premium is available.
    After effective date $50 cancellation fee will be charged by the insurance company.
  • Policy maximum
    $1,000,000, $2,000,000, $5,000,000, $8,000,000

  • Deductible options
    $0, $100, $250, $500, $1,000, $2,500, $5,000, $10,000, $25,000

  • Period of coverage
    15 days to 365 days

Visitors Protect Insurance Comprehensive benefit

star Rating: A- edit_square Underwriter: SiriusPoint Specialty Insurance Corporation
  • Best pre-existing conditions travel insurance for U.S., Canada, and Mexico, up to 99 years
  • Coinsurance: In-network: pays 75%
    Out-of-network: pays 60% up to $5,000, then 100% to the max limit.
  • Hospitals/Doctors: First healthcare network or Unitedhealthcare
  • Covid19: Covered as any other illness
  • Pre-existing condition: Covers up to 99 years, $25,000 under 70, $20,000 for 70+
  • Emergency medical evacuation: Up to $25,000
  • Renewable: Can be renewed and extended up to 364 days
  • Cancellation: Before effective date full refund of premium is available.
    After effective date $50 cancellation fee will be charged by the insurance company.
  • Policy maximum
    $20,000, $50,000, $100,000, $250,000, $500,000 $1,000,000

  • Deductible options
    $0, $50, $100, $250, $500, $1,000, $2,500, $5,000

  • Period of coverage
    15 days to 365 days

INF Elite X Insurance Comprehensive benefit

star Rating: AM Best Rating "A" (Excellent) edit_square Underwriter: Underwritten by Crum & Forster, SPC
  • Best travel insurance for non-US residents to the USA with pre-existing conditions,up to 99 years old
  • Coinsurance: In-network: pays 75%
    Out-of-network: pays 60% up to $5,000, then 100% to the max limit
  • Hospitals/Doctors: Unitedhealthcare
  • Covid19: Covered as any other illness
  • Pre-Existing Condition: Covers up to 99 years
  • Emergency medical evacuation: Up to $25,000
  • Maternity: Covers emergency medical treatment of pregnancy
  • Renewable: Can be renewed and extended up to 364 days
  • Cancellation: Before effective date full refund of premium is available.
    After effective date $25 cancellation fee will be charged by the insurance company.
  • Policy maximum
    $150,0000, $300,000

  • Deductible options
    $500, $1,000, $2,500, $5000

  • Period of coverage
    90 days to 364 days

What is visitor insurance for USA?

Visitor insurance for the USA is a short term medical insurance plan designed for international visitors to the United States. It offers coverage for unexpected medical expenses that may arise during their stay in the U.S. This US visitor insurance helps to manage the high healthcare costs in the US. These plans are ideal for non-US residents whose domestic health plans does not provide adequate coverage while in the U.S.

Visitor insurance in the USA, or the best health insurance for B2 visa holders, significantly reduces hospital expenses. AmericanVisitorInsurance offers a variety of U.S. tourist insurance plans for all ages and visa types, including Green Card holders (permanent residents). Travelers can use the visitor medical insurance cost calculator to compare prices and coverage details from different U.S. insurance companies for visitor visa health insurance USA plans

Why should I buy US travel health insurance?

US travel insurance for visitors is important as healthcare costs in the U.S. are very high. Without proper insurance, even a minor medical emergency can lead to overwhelming expenses. Here’s why you should consider buying US visitor medical insurance:

  • High medical costs: Healthcare in the U.S. is expensive, with doctor visits, hospital stays, and surgeries often costing thousands of dollars. Without insurance, you could be left paying for medical care out of pocket.
  • No universal health coverage: Unlike many other countries, the U.S. does not have universal healthcare. Most visitors are not covered by US travel health insurance plans, making it crucial to have a USA travel insurance policy that covers medical emergencies.
  • Emergency coverage: US travel insurance for visitors provides coverage for unexpected medical emergencies such as accidents, illnesses, or injuries. It can also cover medical evacuation or repatriation if you need to be transported to another facility or back to your home country.
  • Access to healthcare networks: Many visitor medical insurance USA plans provide access to a Preferred Provider Organization (PPO) network and ensures coverage for medical emergencies.
  • Coverage for pre-existing conditions: Some plans offer coverage for the acute onset of pre-existing conditions, providing additional protection for travelers with existing health conditions who might face medical emergencies during their stay.

What does best visitor health insurance USA cover?

Travel insurance to USA covers a wide range of medical and emergency services for international travelers visiting to the US. The coverage can vary depending on the plan, but most visitors insurance USA policies include:

  • Emergency medical treatment: Include doctor's visits, hospital stays, surgeries, and other necessary treatments.
  • Emergency medical evacuation: If you require emergency evacuation to a nearby hospital or back to your home country due to a serious illness or injury.
  • Repatriation of remains: Coverage will pay for the return of your body to your home country.
  • Prescription medications: Covers doctor prescribed eligible pharmacy drugs expenses.
  • Accidental Death and Dismemberment (AD&D): Coverage in the event of accidental death or loss of a limb or other serious injury due to an accident during your trip.
  • Pre-Existing conditions: Some plans cover the acute onset of pre-existing conditions.

How much does visitor health insurance USA cost?

The visitors insurance cost depends on various factors such as:

  • Age of the traveler: Older travelers usually pay higher premiums due to the increased risk of medical issues.
  • Medical maximum: Plans with higher coverage limits (e.g., $50,000, $100,000, or $1,000,000) will generally cost more.
  • Type of US travel insurance: Comprehensive plans (covering a wide range of medical services) tend to be more expensive than fixed benefit plans which has specific limit for each treatment.
  • Duration of stay: The cost of the trip insurance directly depends upon the length of travel.
  • Deductibles: Plans with higher deductibles are typically cheaper but require you to pay more out of pocket in case of a claim.
  • Any add on benefits: Additional add-on benefits to the basic insurance for tourist plan like adventure sports coverage, coverage for pre-existing conditions… will add to the overall cost.

The visitor health insurance cost per month for a 40-year-old traveler typically ranges from $20 to $200. For a 60-year-old traveler, the cost ranges between $39 and $400, depending on factors such as the level of coverage, plan type, and any additional benefits selected.

Which are the best travel insurance companies in USA?

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

Which are the best visitors insurance companies in USA?

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