Which Is the Best Insurance for Visitors in USA?

Available plans

Safe Travels Advantage Insurance ^{Fixed benefit}

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Rating: A (Excellent) Underwriter: Crum & Forster SPC

Cheap visitor health insurance for visitors to USA, up to 89 years old
Coinsurance: Pays 80% until $5,000 coinsurance is met, then pays full amount
Direct Billing: First healthcare network
Acute onset of pre-existing condition: Up to policy maximum for ages up to 89 years
Emergency medical evacuation: Unlimited
Urgent Care : Up to $130 visit(1 visit/day;30 visits max)
Renewable: Can be renewed and extended up to 364 days
Repatriation of Remains: Up to $25,000 per policy period

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}

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Rating: A(Excellent) Underwriter: SiriusPoint Specialty Insurance Corporation

Travel medical insurance for international travelers visiting the US, up to 99 years old.
Coinsurance: After deductible, pays a fixed sum
Direct Billing: First healthcare network or United HealthCare
Acute onset of pre-existing condition: Covers under the age of 70 years
Emergency medical evacuation: Up to $50,000
Urgent Care : $85 max per visit/10 max visits
Renewable: For a maximum of 2 years.
Repatriation of Remains: Up to $25,000 per policy period

Policy maximum^?
$25,000, $50,000, $100,000
Deductible options^?
$0, $50, $100
Period of coverage^?
5 days to 2 years

Safe Travels Elite Insurance ^{Fixed benefit}

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Rating: A(Excellent) Underwriter: Zurich Insurance Europe AG Belgian branch

Short term visitor health insurance for non-US citizens visiting the US.
Coinsurance: After deductible, pays a fixed sum
Direct Billing: First healthcare network
Acute onset of pre-existing condition: Covered up to policy maximum up to the age of 69
Emergency medical evacuation: Unlimited
Urgent Care : $75/visit (1 visit/day;30 visits max)
Renewable: Can be renewed up to 364 days
Repatriation of Remains: Up to $25,000 per policy period

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}

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Rating: AA- from Standard & Poor's and Fitch Ratings, and A++ (Superior) from A.M. Best Underwriter: TMHCC Insurance SPC Ltd and Houston Casualty Company

Cheapest visitor health insurance for USA, up to 99 years old
Coinsurance: After deductible, pays a fixed sum
Direct Billing: First healthcare network
Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years
Emergency medical evacuation: Up to $50,000
Urgent Care : $130 allowable per visit, 10 visits max
Renewable: Can be renewed and extended up to 364 days
Repatriation of Remains: Up to $25,000

Policy maximum^?
$50,000, $75,000, $100,000, $130,000
Deductible options^?
$0, $50, $100
Period of coverage^?
5 days to 364 days

Visit USA Budget Insurance ^{Fixed benefit}

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Rating: "A" (Excellent) Underwriter: Lloyd's of London Company

Affordable visit USA health insurance, up to 99 years old
Coinsurance: After deductible, pays a fixed sum
Direct Billing: No PPO, visit any doctor or hospital.
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
Repatriation of Remains: Up to $25,000

Policy maximum^?
$50,000, $150,000
Deductible options^?
$0, $50, $100, or $250 per incident
Period of coverage^?
5 days to 364 days

Travel Medical USA Visitor Basic Insurance ^{Fixed benefit}

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Rating: "A" (Excellent) Underwriter: Crum & Forster SPC

Cheap visitor insurance for Non US residents visiting the US, up to 99 years old
Coinsurance: After deductible, pays a fixed sum
Direct Billing: First healthcare network or United HealthCare
Acute onset of pre-existing condition: Covers under the age of 79 years
Urgent Care : $100 per visit; 1 per day; 30 visits maximum
Emergency medical evacuation: Up to $100,000
Renewable: Can be renewed and extended up to 36 months
Repatriation of Remains: Up to $25,000

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}

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Rating: "A" (Excellent) Underwriter: Crum & Forster SPC

Travel health insurance for visitors to USA with pre-existing conditions, up to 99 years old
Coinsurance: After deductible, pays 100% of the usual and customary charges
Direct Billing: United HealthCare
Pre-Existing Conditions Coverage: Covers up to 99 years
Maternity:Covers emergency medical treatment for pregnancy
Emergency medical evacuation: Up to $85,000
Urgent Care : $25 copay 90 days after the date of Covered Accident
Renewable: Can be renewed and extended up to 364 days
Repatriation of Remains: Up to $30,000

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}

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Rating: "A" (Excellent) Underwriter: Zurich Insurance Europe AG Belgian branch

Best visitor medical insurance for USA, up to 89 years old
Coinsurance: After deductible, plan pays 90% of first $2,500 then 100% up to the policy max.
Direct Billing: First healthcare network
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
Urgent Care : $30 per incident; no copayment if deductible is $0.
Optional add-on benefits
Renewable: Can be renewed and extended up to 364 days
Repatriation of Remains: Up to $50,000

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 Lite Insurance ^{Comprehensive benefit}

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Rating: "A" (Excellent) Underwriter: SiriusPoint Specialty Insurance Corporation

Best medical insurance for visitors to USA, up to 99 years
Coinsurance: In-network: After deductible, plan pays 100%
Out-of-network: After deductible, pays 80% up to $1,000, then 100% up to the max limit
Direct Billing: First healthcare network or United HealthCare
Pre-existing condition: Not covered
Emergency medical evacuation: Up to $1,000,000
Urgent Care : $30 per incident; no copayment if deductible is $0.
Optional add-on benefits
Renewable: Can be renewed and extended up to 24 months
Repatriation of Remains: Up to maximum limit

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 364 days

Visitors Preferred Insurance ^{Comprehensive benefit}

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Rating: “A-” by A.M. Best Underwriter: SiriusPoint Specialty Insurance Corporation

Travel medical insurance for non-US citizens visiting the US, up to 99 years
Coinsurance: In-network: After deductible, plan pays 100%
Out-of-network: After deductible, plan pays 80% up to maximum limit
Direct Billing: First healthcare network or United HealthCare
Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years
Emergency medical evacuation: Up to $1,000,000
Urgent Care : $15 per incident; no copayment if deductible is $0.
Optional add-on benefits
Renewable: Can be renewed and extended up to 24 months
Repatriation of Remains: Up to the period of coverage limit

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}

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Rating: A (Excellent) by AM Best Company 2024 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
Direct Billing: No PPO, visit any doctor or hospital
Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years
Emergency medical evacuation: Up to $1,000,000
Urgent Care : $30 copay if the $0 deductible is chosen
Optional add-on benefits
Renewable: Can be renewed and extended up to 364 days
Repatriation of Remains: Up to $50,000 per policy period

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}

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Rating: Rating: A++ (Superior) Underwriter: TMHCC Insurance SPC Ltd and Houston Casualty Company

Medical insurance for non-US citizens traveling to the US, up to 99 years old
Coinsurance: After deductible, plan pays 100% up to policy maximum
Direct Billing: Unitedhealthcare
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
Urgent Care : 15 per incident; no copayment if deductible is $0
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
Repatriation of Remains: Equal to the elected overall maximum limit

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

Visit USA HealthCare Superior Insurance ^{Comprehensive benefit}

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Rating: "A" (Excellent) Underwriter: Lloyd's of London

Visitor insurance for Non US citizens traveling to the US, up to 99 years old
Coinsurance: In-network: After deductible, plan pays 100%
Out-of-network: Usual, reasonable and customary charges
Direct Billing: Unitedhealthcare or First HealthCare
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
Urgent Care : $50 co-payment (waived for members with $0 deductible)
Optional add-on benefits
Renewable: Can be renewed and extended up to 364 days
Repatriation of Remains:Up to overall maximum limit

Policy maximum^?
$100,000, $250,000
Deductible options^?
$0, $50, $100, $250
Period of coverage^?
364 days

Safe Travels USA Comprehensive Insurance ^{Comprehensive benefit}

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Rating: "A" (Excellent) Underwriter: Zurich Insurance Europe AG Belgian branch

Available for non U.S. citizens / residents visiting the USA, up to 89 years old
Coinsurance: After deductible, plan pays 100% up to the policy maximum
Direct Billing: First HealthCare
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
Urgent Care : $30 per incident; no copayment if deductible is $0
Optional add-on benefits
Renewable: Can be renewed and extended up to 364 days
Repatriation of Remains:Up to $50,000

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}

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Rating: “A” (Excellent) by A.M. Best and “A-” by Standard & Poor’s Underwriter: SiriusPoint Specialty Insurance Corporation

Best travel medical insurance for non-US citizens visiting the US, up to 99 years old
Coinsurance: In-network: After deductible, plan pays 100%
Out-of-network: After deductible, pays 90% of eligible expenses up to $500, then 100%
Direct Billing: First HealthCare or Unitedhealthcare
Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years
Emergency medical evacuation: Up to $1,000,000
Urgent Care : $30 per incident; no copayment if deductible is $0
Optional add-on benefits
Renewable: Can be renewed and extended up to 24 months
Repatriation of Remains:Up to maximum limit

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

The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

Adventure sports:

Available for those up to the age of 65 years.
If you are a thrill-seeking traveler who enjoys life's more adventurous activities, you may want to consider adding supplemental coverage to your plan. The Adventure Sports Rider provides coverage for injuries sustained during certain extreme sports that would otherwise be excluded from your insurance policy.

This plan covers any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking and windsurfing.

Age	Maximum limit
0-49 years	$50,000 certificate period
50-59 years	$30,000 certificate period
60-64 years	$15,000 certificate period

Adventure Sports Rider - More Details

Chaperone/Faculty Leader Replacement Rider:

Groups may purchase the Chaperone/Faculty Leader Replacement Rider in the event that an insured person who is designated as a Chaperone/Faculty Leader by the sponsoring organization has an unexpected death of a relative, a medical emergency, or the substantial destruction of the principal residence in his/her home country, which causes the insured person to have to cancel or interrupt travel, this plan covers reimbursement up to $3,000 for the expense of a round trip economy airline ticket for a replacement Chaperone/Faculty Leader. (available on group plans)
Chaperone Replacement Rider - More Details

Enhanced Accidental Death & Dismemberment Rider AD&D Rider

The AD&D rider will pay you or your beneficiaries up to $400,000 if your death or dismemberment is the direct result of an accident.
This optional coverage is available for the primary insured person only. This coverage is in addition to the Accidental Death and Dismemberment already included in the plans. Coverage must be purchased for a minimum of three months.
Accidental Death & Dismemberment - More Details

Mobile Device Protection:
Available in select countries on individual plans only

Cell phones are essential when traveling internationally to keep you safe, connect with friends and family back home, and to take photos of your travels. Device protection provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip-so you can continue your trip uninterrupted and stay digitally connected wherever you are in th e world.

Mobile Device Protection - More Details

Bolt Device Protection - More Details

Trip Cancellation, Interruption and Travel Delay Rider:
Available an individual plans for U.S. residents only

Should something unexpected happen before or during your trip, this rider can protect you from financial losses with coverage for trip cancellation and interruption, travel delay benefits, and more. While all Patriot plans include benefits for return travel, the Trip Cancellation, Interruption, & Travel Delay Rider provides coverage for trip cancellation, travel delay, and trip interruption perils. II you are prevented from taking your trip for a covered, unforeseen reason, travel insurance can reimburse up to 100% of your prepaid, non-refundable payments or deposits that would otherwise be forfeited.

Teladoc Rider:

Insured Person meets the eligibility requirements, they are eligible for this rider

Inpatient or Outpatient Services:

Benefit	Limits
Teladoc Consultation	Mental or Nervous Disorders are not covered Applicable in the United States Coverage for a Teladoc Consultation is not a determination that any specific condition discussed, raised or identified during such consultation is covered under this insurance. The Company reserves the right to decline future claims relating to or arising from any condition discussed, raised or identified during a Teladoc Consultation where the Illness or Injury is otherwise excluded under this Certificate of Insurance.

Teladoc rider - More Details
Teladoc global rider - More Details
Teladoc registration instructions - More Details

Travel Medical Choice Insurance ^{Comprehensive benefit}

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Rating: Rating: “A (Excellent)” Underwriter: Crum & Forster SPC

Medical coverage for international travelers visiting United States, up to 99 years
Coinsurance: In-network: After deductible, plan pays 100%
Out-of-network: After deductible, pays 90% of the first $10,000 in expenses, then 100%
Direct Billing: Unitedhealthcare
Acute onset of pre-existing condition: Up to policy maximum for ages up to 79 years
Emergency medical evacuation: Up to $500,000
Urgent Care : URC to medical maximum; $20 copay
Optional add-on benefit
Renewable: Can be renewed and extended up to 364 days
Repatriation of Remains:Up to $50,000

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}

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Rating: AM Best Rating: "A" (Excellent) Underwriter: Underwritten by Crum & Forster, SPC

Coverage for non-US residents traveling to the USA, up to 99 years old
Coinsurance: After deductible, plan pays 80% of eligible costs up to $5,000, then 100% up to the medical maximum
Direct Billing: No PPO, visit any doctor or hospital
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
Repatriation of Remains:Up to $50,000

Policy maximum^?
$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}

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Rating: Rating: A++ (Superior) Standard & Poor’s Rating AA- Underwriter: TMHCC Insurance SPC Ltd and Houston Casualty Company

Perfect for travelers up to 99 seeking superior medical coverage with high limits in the USA.
Coinsurance: After deductible, plan pays 100% up to policy maximum
Direct Billing: Unitedhealthcare
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
Urgent Care : 15 per incident; no copayment if deductible is $0
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
Repatriation of Remains:Equal to the elected overall maximum limit

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}

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Rating: AM Best Rating "A" (Excellent) Underwriter: SiriusPoint Specialty Insurance Corporation

Ideal for travelers up to 99 seeking first-class medical coverage in the USA.
Coinsurance: In-network: After deductible, 100% coverage
Out-of-network: After deductible, plan pays 100% upto policy maximum
Direct Billing: First healthcare network or Unitedhealthcare
Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years
Emergency medical evacuation: Up to maximum limit
Urgent Care : 30 per incident; no copayment if deductible is $0
Optional add-on benefits
Renewable: Can be renewed and extended up to 36 months
Repatriation of Remains:Up to overall maximum limit

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

The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

Adventure sports:

Age	Maximum limit
0-49 years	$50,000 certificate period
50-59 years	$30,000 certificate period
60-64 years	$15,000 certificate period

Adventure Sports Rider - More Details

Chaperone/Faculty Leader Replacement Rider:

Enhanced Accidental Death & Dismemberment Rider AD&D Rider

Mobile Device Protection:
Available in select countries on individual plans only

Mobile Device Protection - More Details

Bolt Device Protection - More Details

Trip Cancellation, Interruption and Travel Delay Rider:
Available an individual plans for U.S. residents only

Teladoc Rider:

Insured Person meets the eligibility requirements, they are eligible for this rider

Inpatient or Outpatient Services:

Benefit	Limits
Teladoc Consultation	Mental or Nervous Disorders are not covered Applicable in the United States Coverage for a Teladoc Consultation is not a determination that any specific condition discussed, raised or identified during such consultation is covered under this insurance. The Company reserves the right to decline future claims relating to or arising from any condition discussed, raised or identified during a Teladoc Consultation where the Illness or Injury is otherwise excluded under this Certificate of Insurance.

Teladoc rider - More Details
Teladoc global rider - More Details
Teladoc registration instructions - More Details

Visitors Protect Insurance ^{Comprehensive benefit}

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Rating: A- Underwriter: SiriusPoint Specialty Insurance Corporation

Best pre-existing conditions travel insurance for U.S., Canada, and Mexico, up to 99 years
Coinsurance: In-network: After deductible, pays 75%
Out-of-network: After deductible, pays 60% up to $5,000, then 100% to the max limit.
Direct Billing: First healthcare network or Unitedhealthcare
Pre-Existing Conditions Coverage: Covers up to 99 years, $25,000 under 70, $20,000 for 70+
Emergency medical evacuation: Up to $25,000
Urgent Care : 15 per incident; no copayment if deductible is $0
Renewable: Can be renewed and extended up to 364 days
Repatriation of Remains:Up to overall maximum limit

Policy maximum^?
$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}

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Rating: AM Best Rating "A" (Excellent) Underwriter: Underwritten by Crum & Forster, SPC

Best health insurance for visitors to USA with pre-existing conditions, up to 99 years old
Coinsurance: In-network: After deductible, pays 80%
Out-of-network: After deductible, pays 60% of usual, reasonable & customary charges
Direct Billing: Unitedhealthcare
Pre-Existing Conditions Coverage: Covers up to 99 yearsCovers up to 99 years
Emergency medical evacuation: Up to $25,000
Maternity: Covers emergency medical treatment of pregnancy
Urgent Care : Covered with $50 copay
Renewable: Can be renewed and extended up to 364 days
Repatriation of Remains:Up to $20,000

Policy maximum^?
$150,0000, $300,000
Deductible options^?
$500, $1,000, $2,500, $5000
Period of coverage^?
90 days to 364 days

Diplomat Long Term insurance ^{Comprehensive benefit}

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Rating: AM Best Rating: "A" (Excellent) Underwriter: Underwritten by Crum & Forster, SPC

Coverage for non-US residents traveling to the USA, up to 99 years old
Coinsurance: After deductible, plan pays 80% of eligible costs up to $5,000, then 100% up to the medical maximum
Direct Billing: No PPO, visit any doctor or hospital
Sudden Recurrence of a Pre-existing Conditions: Up to $20,000 ($2,500 for 65+)
Emergency medical evacuation: Up to $250,000
Optional add-on benefits
Renewable: Can be renewed and extended up to 36 months
Repatriation of Remains:Up to $250,000

Policy maximum^?
$500,000, $1,000,000
Deductible options^?
$0, $50, $100, $250, $500, $1,000, $2,500, $5,000
Period of coverage^?
90 days to 364 days

🌎What is Visitors Medical Insurance for the USA?

Visitors medical insurance for the USA is temporary, short term medical insurance designed specifically for international visitors to the United States. It offers coverage for unexpected medical expenses that may arise while visiting the U.S. This US visitors medical insurance helps pay for high healthcare costs in the US. These plans are ideal for non-US residents whose domestic health plans do not provide enough coverage while visiting the U.S.

Simply buying the best visitors medical insurance for US, or the best health insurance for B2 visa holders, significantly reduces hospital bills by being part of US Preferred Provider (PPO) networks. American Visitor Insurance works with reputed US insurance companies to offer visitors a variety of US tourist insurance plans for all ages and visa types, including Green Card holders (permanent residents) till they are eligible for domestic US health insurance. Travelers can use the visitor medical insurance cost calculator to compare prices and coverage details from different U.S. insurance companies to find the best visitor health insurance for USA

💡Why Should I Buy US Travel Health Insurance?

US visitors travel insurance is important as US healthcare while excellent is also very expensive. Without proper visitors medical insurance, even a small medical ailment can result in huge expenses. That is the main reason why you should buy the best US visitor medical insurance:

High medical costs: US Healthcare while being state of the art, is very expensive. Doctor visits, hospital stays, and surgeries usually cost thousands of dollars. Without adequate visitors medical insurance, you could be left paying these very huge medical bills.
No universal health coverage: Unlike Canada, the U.S. does not have universal healthcare, and all health facilities are tied to private health insurance. International travelers are not covered by US travel health insurance plans, making it critical to have US travel health insurance policy to cover medical emergencies.
Emergency coverage: US travel health insurance for visitors provides coverage for unexpected medical emergencies and in some instances also provide coverage for an onset of an existing medical ailment. Visitors insurance 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: US visitor medical insurance plans usually work with a Preferred Provider Organization (PPO) network. This PPO network for hospitals along with providing coverage for medical emergencies will also reduce the medical bills in most US hospitals if the hospital is part of the PPO network.
Coverage for pre-existing conditions: Some plans offer insurance coverage for the acute onset of pre-existing conditions, hence providing protection for travelers with already existing health ailments who might face medical emergencies during their stay.

🛡️ What Does Best Visitor Health Insurance USA Cover?

Best visitor medical insurance 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 health insurance USA policies include:

Emergency medical treatment: Include doctor's visits, hospital stays, surgeries, urgent care 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?

How Much Is Medical Insurance for Tourists in the US?

US Healthcare is extremely expensive, and even a simple doctor’s visit can become a financial burden unless insured properly.

In 2025, the cost of travel health insurance for visitors to the US ranges between $19 to $172 per month, depending on

Age of the traveler
Insurance company
Type of visitors insurance
Coverage limits
Whether pre-existing conditions are covered

Cheaper options are available for as little as $1 to $5 per day, however the coverage is also limited.

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Why is travel insurance USA is so important? A simple doctor’s visit can cost anywhere between $250 to $350, while a heart attack can cost at least $25,000. A stay in the ICU after a stroke can cost upwards of $150,000. As routine echocardiogram can range from $1,500 to $4,000 while emergency treatments for conditions like diabetes can cost anywhere from $3,500 to $7,000. Treatment for kidney failure can result in bills of over $30,000.

How Much Does Cheap Visitor Insurance in the USA Cost?

Cheap visitor health insurance for visitors to USA starts at $19 per month for fixed benefit plans. Following is the cost of visitor insurance per month.

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	$25 - $44	$30 - $65	$66 - $152
Safe Travels Elite	$25,000 - $175,000	$0	$25 - $71	$36 - $110	$105 - $150
Venbrook Essential	$25,000 - $150,000	$0	$25 - $74	$36 - $105	$66 - $142
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

How Much Does the Best Comprehensive Visitor Insurance Cost per Month?

The cost of comprehensive visitor insurance starts around $53 month, depending on the age of the traveler, coverage limits, deductible, and optional add-ons. Higher medical maximum plans including pre-existing condition benefits and lower deductibles are more expensive.

On average, a good comprehensive health insurance plan costs between $58 to $108 per month for a 35 year old traveler.

Following are the cost of best health insurance for visitors to USA per month for a $250 deductible.

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
Venbrook Premier	$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
SafeVista Comprehensive	$100,000 - $1,000,000	$76 - $97	$158 - $225	$320
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

Source: American Visitor Insurance®

How Much Does 6-Month Medical Insurance for Visitors to USA Cost?

For a 60-year-old traveler, the cost of USA visitor insurance for 6 months typically ranges around $122 to $1,050, based different coverage options, medical needs, and traveler’s budget on American Visitor Insurance.
The best 6 month USA travel insurance is the one which is affordable, reliable and allows the traveler stress free.

From ER visits to urgent care, stay covered for 6 months in the U.S starting from just $1.50/day!

🧾 What Factors Affect the Cost of Visitor Medical Insurance for USA?

The visitor medical insurance for USA 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.

🛡️ How Do I Choose the Right Visitor Health Insurance for USA?

Choosing the best medical insurance for travel to USA is very important to avoid unexpected medical costs. The following are the important factors

Type of travel health insurance: Comprehensive visitors insurance plans provide greater coverage but are more expensive, while fixed benefit plans are cheaper but have fixed coverage for each treatment.
Medical coverage limits: The cost depends on the maximum medical coverage. A plan with at least $50,000 to $100,000 coverage is recommended.
Pre-existing condition coverage: Buying a plan with some coverage for existing medical conditions is important for anyone with existing ailments.
Deductibles & Co-Pays: A lower deductibles is more expensive but will have lesser out-of-pocket costs if you have a claim.
Length of the stay: Understandably, the longer the insurance coverage, the higher the cost. Travelers should ensure that their coverage extends the full length of stay in the US.
Provider Network and Claims process: Check if the plan has a wide PPO network (like UnitedHealthcare or First Healthcare), making it easier to find hospitals and doctors and offers an easy claims process.

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📋 Which Visitors Health Insurance to Buy?

Choosing the right health insurance while visiting USA depends on your purpose of travel and coverage needs.

👪 Parents Visiting the USA

Visitors insurance for parents covers medical emergencies, hospitalization, and acute onset of pre-existing conditions.

Recommended plans

Atlas America – Covers medical expenses and acute onset of pre-existing conditions up to age 80.
Patriot America Plus – Covers acute onset of pre-existing conditions for visitors under 70 years.
Safe Travels USA Comprehensive – Includes recurrence of pre-existing conditions and border benefits.
INF Elite X – Offers coverage for pre-existing conditions up to 99 years of age.

🌍 Tourists & Short-Term Visitors

Short-term visitor insurance protects against unexpected medical expenses during short stays in the USA.

Recommended plans

VisitorsSecure – Affordable basic coverage with pre-existing condition protection.
Visitors Preferred – Cheapest plan for individuals/families, covers acute onset conditions for under 70.
Atlas America – Comprehensive coverage for short stays, with acute onset coverage under 80.

💼 Business Travelers

Provides coverage for urgent care, medical evacuation, and travel-related risks.

Recommended plans

Atlas America Premium – High-end option for business travel. Includes acute onset coverage (up to age 80).
Patriot America Lite – Cost-effective option for medical emergencies. Does not cover pre-existing conditions.

🟢 Green Card Applicants

Temporary coverage while awaiting Medicare eligibility.

Recommended plans

Patriot America Plus – Covers up to $1,000,000 including acute onset and evacuation.
INF Premier X – Ideal for long-term green card holders. Pre-existing conditions covered up to age 99.

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📝 Visitor Medical Insurance for USA Reviews

"I am pleased to say that your company is very professional in the field of Insurance. The customer is happy to get insured through you." Know more »

Ethan

"Appreciate all the help that you provided me. It really worked well and I was able to purchase the cover I was looking for." Know more »

Moshe

"Thank you American Visitor Insurance! You went way beyond what I would expect from an insurance company." Know more »

Cinnia

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Option 1	Increase to $50,000 maximum AD&D benefit	Additional $0.25 per person per day
Option 2	Increase to $100,000 maximum AD&D benefit	Additional $0.50 per person per day
Option 3	Increase to $250,000 maximum AD&D benefit	Additional $1.75 per person per day
Option 4	Increase to $500,000 maximum AD&D benefit	Additional $4.00 per person per day

Option 1	Increase to $50,000 maximum AD&D benefit	Additional $0.25 per person per day
Option 2	Increase to $100,000 maximum AD&D benefit	Additional $0.50 per person per day
Option 3	Increase to $250,000 maximum AD&D benefit	Additional $1.75 per person per day
Option 4	Increase to $500,000 maximum AD&D benefit	Additional $4.00 per person per day

Visitor Health Insurance for Visitors to USA

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Which Is the Best Insurance for Visitors in USA?

Safe Travels Advantage Insurance Fixed benefit

Visitors Care Insurance Fixed benefit

Safe Travels Elite Insurance Fixed benefit

VisitorSecure Insurance Fixed benefit

Visit USA Budget Insurance Fixed benefit

Travel Medical USA Visitor Basic Insurance Fixed benefit

INF Premier X Insurance Fixed benefit

Safe Travels USA Insurance Comprehensive benefit

Additional Coverage Benefits

Patriot America Lite Insurance Comprehensive benefit

Additional Coverage Benefits

Visitors Preferred Insurance Comprehensive benefit

Additional Coverage Benefits

Venbrook Premier Insurance Comprehensive benefit

Additional Coverage Benefits

Atlas America Insurance Comprehensive benefit

Additional Coverage Benefits

Visit USA HealthCare Superior Insurance Comprehensive benefit

Additional Coverage Benefits

Safe Travels USA Comprehensive Insurance Comprehensive benefit

Additional Coverage Benefits

Patriot America Plus Insurance Comprehensive benefit

Additional Coverage Benefits

Travel Medical Choice Insurance Comprehensive benefit

Additional Coverage Benefit

Diplomat America Insurance Comprehensive benefit

Additional Coverage Benefits

Atlas America Premier Insurance Comprehensive benefit

Patriot America Platinum Insurance Comprehensive benefit

Additional Coverage Benefits

Visitors Protect Insurance Comprehensive benefit

INF Elite X Insurance Comprehensive benefit

Diplomat Long Term insurance Comprehensive benefit

Additional Coverage Benefits

🌎What is Visitors Medical Insurance for the USA?

💡Why Should I Buy US Travel Health Insurance?

🛡️ What Does Best Visitor Health Insurance USA Cover?

How Much Does Visitor Health Insurance USA Cost?

How Much Does Cheap Visitor Insurance in the USA Cost?

How Much Does the Best Comprehensive Visitor Insurance Cost per Month?

How Much Does 6-Month Medical Insurance for Visitors to USA Cost?

🧾 What Factors Affect the Cost of Visitor Medical Insurance for USA?

🛡️ How Do I Choose the Right Visitor Health Insurance for USA?

Find the best visitors insurance for the USA

📋 Which Visitors Health Insurance to Buy?

👪 Parents Visiting the USA

🌍 Tourists & Short-Term Visitors

💼 Business Travelers

🟢 Green Card Applicants

Travel Smart with Our Comprehensive 6 Month USA Travel Insurance

📝 Visitor Medical Insurance for USA Reviews

Take quotes and purchase

Which are the best travel insurance companies in USA?

Which are the best visitors insurance companies in USA?

US visitor insurance categories

Disclaimer

Safe Travels Advantage Insurance ^{Fixed benefit}

Visitors Care Insurance ^{Fixed benefit}

Safe Travels Elite Insurance ^{Fixed benefit}

VisitorSecure Insurance ^{Fixed benefit}

Visit USA Budget Insurance ^{Fixed benefit}

Travel Medical USA Visitor Basic Insurance ^{Fixed benefit}

INF Premier X Insurance ^{Fixed benefit}

Safe Travels USA Insurance ^{Comprehensive benefit}

Patriot America Lite Insurance ^{Comprehensive benefit}

Visitors Preferred Insurance ^{Comprehensive benefit}

Venbrook Premier Insurance ^{Comprehensive benefit}

Atlas America Insurance ^{Comprehensive benefit}

Visit USA HealthCare Superior Insurance ^{Comprehensive benefit}

Safe Travels USA Comprehensive Insurance ^{Comprehensive benefit}

Patriot America Plus Insurance ^{Comprehensive benefit}

Travel Medical Choice Insurance ^{Comprehensive benefit}

Diplomat America Insurance ^{Comprehensive benefit}

Atlas America Premier Insurance ^{Comprehensive benefit}

Patriot America Platinum Insurance ^{Comprehensive benefit}

Visitors Protect Insurance ^{Comprehensive benefit}

INF Elite X Insurance ^{Comprehensive benefit}

Diplomat Long Term insurance ^{Comprehensive benefit}