Temporary Health Insurance for USA Visitors 2026

Temporary health insurance for USA visitors is a short-term medical plan designed for non-US citizens traveling to the United States. It covers unexpected medical emergencies like hospitalization, ER visits, surgery, and medical evacuation.

With no public healthcare for visitors in the USA, even minor treatments can cost $3,000–$10,000 or more. These plans offer affordable protection, with premiums starting from around less than $1 per day.

workspace_premium Top Rated Plans flight_land For Foreign Visitors payments Starts $20/month
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Which Temporary Medical Insurance USA Plan Is Right for You?

  • Cheapest Temporary Health Insurance for Visitors to USA - Safe Travels Advantage, starts at around $20/month with affordable visitor medical coverage.
  • Low Cost Short Term Health Insurance USA - Visitors Care, most economical plan with acute onset coverage up to age 70.
  • Best Short Term US Health Insurance for Visitors to USA - Patriot America Plus, strong medical coverage with acute onset benefits up to age 70.
  • Most Popular Short Term Travel Health Insurance - Atlas America, up to $2M coverage with acute onset coverage up to age 79.
  • Best Short Term Health Insurance for Non-US Citizens with Cardiac Coverage - Safe Travels USA Comprehensive, includes acute onset and cardiac coverage up to age 89.
  • Best Travel Health Insurance for Non-US Citizens with Pre-Existing Conditions - INF Elite X, full pre-existing condition coverage up to age 99.
info Overview

What Is Short Term Health Insurance for Foreign Visitors?

Short-term health insurance for USA visitors sometimes called temporary health insurance or visitor medical insurance provides medical coverage for a fixed period, typically 5 to 364 days. It is designed specifically for international travelers, non-US citizens, and foreign nationals who need short-term travel health insurance in the USA but are not eligible for domestic American health plans.

This type of short-term medical insurance USA is ideal for tourists on a B1/B2 visa, parents visiting family, new immigrants waiting for employer coverage to begin, and any foreigner who needs US travel insurance for foreigners at an affordable cost. Plans cover unexpected illnesses, emergency hospitalization, and accidents shielding travelers from the high cost of American healthcare.

Unlike full US health insurance, these plans are not required to meet ACA (Affordable Care Act) standards, which is why they remain significantly cheaper while still offering meaningful protection for the most common and costly medical events visitors face.

lightbulb Why it Matters

How to Choose Smart Travel Insurance for USA Visitors?

Smart travel insurance is not just about choosing the cheapest plan it's about selecting coverage that actually works when you need it, especially in the expensive U.S. healthcare system.

medical_services

Choose Sufficient Medical Coverage

Many low-cost plans offer limited coverage that may not be enough in real situations. In the U.S., even a minor emergency like an ER visit or diagnostic test can cost thousands. Choosing higher coverage limits helps protect you from large unexpected bills.

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Example: A visitor slips and injures their ankle. A short ER visit, X-ray, and doctor consultation can easily cost $4,000-$7,000. A plan with minimal coverage leaves the traveler to cover the rest.

payments

Understand Deductibles and Cost Sharing

Lower premiums often come with higher out-of-pocket costs. Deductibles, co-pays, and coinsurance determine how much you pay during treatment. A slightly higher premium plan with better cost-sharing can actually save money in an emergency.

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Example: After a hospital visit costing $6,000 - $1,000 deductible + 20% coinsurance = over $2,000 out-of-pocket. Smarter plans make these costs clear upfront.

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Access to PPO Networks Matters

Insurance works best when you can easily access trusted hospitals and urgent care centers. Plans with PPO networks allow direct billing and lower negotiated rates, so you don't have to pay everything upfront.

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Example: With an in-network facility, the insurance settles most of the bill. Without network access, the same visit could be billed at a higher rate, requiring full payment upfront.

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24/7 Emergency Assistance is Essential

In emergencies, especially for visiting parents or seniors, having 24/7 support can make a big difference. It helps you find the right hospital, understand the process, and manage treatment without confusion.

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Example: An elderly parent experiences chest pain late at night. With smart insurance, call a 24/7 assistance line, get guidance on the nearest hospital, and receive help with admission and billing.

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Smart travel insurance focuses on real protection covering medical costs, reducing financial risk, and ensuring support when it matters most.

check_circle Eligibility

Can International Travelers Get Short Term Health Insurance for Non US Citizens in USA?

Yes, international travelers can get temporary US health insurance, also known as short term travel insurance USA or temporary health insurance for visitors to USA. Given the very high cost of US healthcare, this short term health insurance for non US citizens is strongly recommended.

Temporary health insurance for non residents in USA will cover unexpected sickness and injuries shielding the traveler from expensive medical bills that otherwise need to be paid out of pocket.

savings Cheapest Plans

What Are the Cheapest Temporary Health Insurance Plans for the USA?

The cheapest short-term health insurance plans for the USA include Safe Travels Advantage, VisitorsCare and Visit USA Budget offering low premiums with essential medical coverage for parents, tourists, and new immigrants.

Safe Travels Advantage

Trawick International

check_circle Cheapest Option

Safe Travels Advantage is one of the cheapest temporary health insurance plans starting around $19/month, covers acute onset of pre-existing conditions up to age 89, includes unlimited emergency medical evacuation, and provides access to the First Health PPO network. Ideal for senior visitors looking for affordable short-term coverage with strong benefits.

BEST FOR

  • Budget-focused families
  • Short trips 1-3 months
check_circle Flexible Coverage Options

VisitorsCare is low-cost temporary health insurance starting around $18-$21/month, offers three plan levels (Lite, Plus, Platinum), covers acute onset up to the policy maximum, includes emergency evacuation, and allows access to First Health and UnitedHealthcare PPO networks. Ideal for families and travelers who want plan flexibility.

BEST FOR

  • Families wanting plan flexibility
  • Travelers needing PPO network access
workspace_premium Top Picks

What Are the Best temporary health insurance plans for visitors to USA?

The best short term health insurance for travelers in 2026 include Patriot America Plus, Atlas America, Safe Travels USA Comprehensive, and INF Elite X. These plans are popular among international visitors because they provide strong protection against unexpected medical expenses while traveling in the United States.

Most Popular

Patriot America Plus

IMG

One of the most popular temporary medical insurance USA plans, offering coverage up to $1,000,000, access to the UnitedHealthcare PPO network, and acute onset of pre-existing conditions coverage for travelers under 70. Includes low copays for urgent care and flexible renewability. Ideal for visitors seeking short term US health insurance with strong benefits.
shield Up to $1M elderly Under age 70
Up to $2M

Atlas America

WorldTrips

One of the best medical insurance for visitors to USA, with coverage up to $2,000,000, acute onset coverage up to age 79, and access to a large PPO network. Includes pregnancy complications and evacuation benefits. Perfect health insurance USA for foreigners needing comprehensive protection.
elderly Up to age 79 calendar_today 5-364 days
Senior Friendly

Safe Travels USA Comprehensive

Trawick International

A top short term health insurance USA plan offering coverage up to $1,000,000, including acute onset, cardiac, and wellness benefits. Uses First Health PPO network with strong evacuation coverage. Ideal for seniors and travelers needing broader protection.
shield Up to $1M favorite Cardiac cover
Pre-Existing Cover

Visitors Protect

IMG

A top short term medical insurance for visitors to USA, offering limited coverage for stable pre-existing conditions up to age 99, along with PPO network access and telemedicine. Ideal for seniors and parents with existing conditions.
elderly Up to age 99 phone_iphone Telemedicine
Full Pre-Ex Cover

INF Elite X

INF Insurance

One of the best temporary medical insurance USA plans for seniors, providing full coverage for pre-existing conditions up to age 99, high medical limits, and UnitedHealthcare PPO access. Ideal for parents needing maximum coverage and long-term flexibility.
elderly Up to age 99 phone_iphone UHC PPO
payments Pricing Guide

How Much Does Temporary Health Insurance for USA Cost?

Cost of Cheapest Short Term Visitor Health Insurance Plans for the USA

The most affordable visitor health insurance the USA starts from $20 per month with options up to $191 per month.

The average cost of fixed benefit visitor travel insurance for the USA is calculated based on one-month quotes.

Filter by age:
Plan Name Max Coverage Deductible Age 40 Age 60 Age 70
Safe Travels Advantage
Trawick International
$25,000 - $150,000 $0 $20 - $58 $39 - $102 $60 - $166
Visitors Care
IMG
$25,000 - $100,000 $100 $25 - $47 $40 - $75 $66 - $152
Safe Travels Elite
Trawick International
$25,000 - $175,000 $0 $26 - $76 $50 - $134 $109 - $155
Visit USA Budget
Travel Insurance Services
$50,000 - $150,000 $250 $32 - $56 $49 - $86 $84
VisitorSecure
WorldTrips
$50,000 - $130,000 $100 $34 - $62 $55 - $76 $96 - $139
Travel Medical USA Visitor Basic
Seven Corners
$50,000 - $150,000 $100 $42 - $52 $79 - $94 $173 - $191

Cost of Best Temporary Health Insurance Plans for Non-US Citizens

The best travel insurance cost for the USA ranges from $58 to $353 per month.

The average cost of comprehensive travel insurance for the USA is based on one-month quotes with a $250 deductible.

Filter by age:
Plan name Max Coverage Age 40 Age 60 Age 70
Atlas Essential
WorldTrips
$50,000 - $1,000,000 $58 - $109 $131 - $266 $263 - $328
Safe Travels USA Cost Saver
Trawick International
$50,000 - $1,000,000 $71 - $117 $139 - $250 $237 - $299
Patriot America Lite
IMG
$50,000 - $1,000,000 $72 - $130 $153 - $289 $252 - $337
Atlas America
WorldTrips
$50,000 - $2,000,000 $78 - $154 $177 - $378 $355 - $444
Patriot America Plus
IMG
$50,000 - $1,000,000 $77 - $139 $164 - $311 $287 - $434
Travel Medical Basic
Seven Corners
$50,000 - $1,000,000 $80 - $138 $167 - $314 $252 - $337
Safe Travels USA Comprehensive
Trawick International
$50,000 - $1,000,000 $90 - $168 $172 - $351 $294 - $470
SafeVista Protect
INF Insurance
$100,000 - $1,000,000 $93 - $127 $215 - $248 $320
Diplomat America
Global Underwriters
$50,000 - $1,000,000 $125 - $214 $229 - $301 $353

Prices verified for the 2026 travel season · Source: American Visitor Insurance®

Six-Month Medical Insurance Cost for Visitors to the USA

For a 60 year old traveler, the cost of USA visitor insurance for 6 months typically ranges around $122 to $1,050, based on 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 to stay stress free.

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

public Foreigners in USA

Best Travel Insurance for Foreigners in the USA

Choosing the right coverage is important for international travelers visiting the United States. There are several travel medical insurance plans designed specifically for foreigners, offering benefits such as hospitalization, emergency care, and flexible coverage options. You can explore the best travel health insurance plans for foreigners in the USA to compare benefits, coverage limits, and plan options that suit different travel needs.

Whether you need travel insurance for non-US citizens on a short holiday, US travel insurance for foreigners on a work assignment, or health insurance for non-citizens bridging a gap in coverage, American Visitor Insurance offers plans from over 10 trusted US providers to match every budget and travel length.

check_circle Eligibility

Who Can Buy Short-Term Visitor Insurance?

Short-term visitor insurance is available to a wide range of non-US citizens and foreigners, including:

  • Tourists and B1/B2 visa holders - tourist health insurance USA plans provide coverage for the duration of your approved stay.
  • Parents and family members visiting from abroad - protect against unexpected medical expenses during their visit to the United States.
  • New immigrants and Green Card holders - temporary coverage to bridge the gap before employer or long-term health insurance begins.
  • Business travelers and conference attendees - flexible medical coverage designed for short-term travel needs.

Compare and buy short-term visitor insurance online in minutes with American Visitor Insurance. Find affordable travel medical insurance for non-US citizens and temporary health insurance for foreigners, with coverage available across all 50 US states (state restrictions may apply).

how_to_reg How It Works

How Do International Travelers Get Short Term Health Insurance for the USA?

The United States has some of the highest healthcare costs in the world. Even a simple emergency room visit can cost $3,000-$10,000, and a minor hospital admission may exceed $20,000. For international travelers visiting the U.S. for a few weeks or several months short term visitor health insurance is the most practical way to protect against these costs.

$3K - $10K
Emergency Room Visit
$20K+
Minor Hospital Admission
5 days to 364 days
Coverage Duration
What Does Short Term Visitor Insurance Cover?
  • check_circleEmergency treatment for unexpected illness or injury.
  • check_circleHospitalization and surgery
  • check_circleEmergency room visits and urgent care.
  • check_circlePrescription medications during a covered illness.
  • check_circleEmergency medical evacuation to the nearest suitable facility.
  • check_circleRepatriation of remains
  • check_circleAcute onset of pre-existing conditions (coverage varies by plan and age).
  • check_circleUrgent care and walk in clinics
Why Is It Important?
No one plans to get sick or injured while traveling. But in the U.S., even a simple emergency like a broken bone or sudden infection can lead to bills that wipe out months of savings. Short term visitor insurance from American Visitor Insurance ensures that one unexpected medical event doesn't become a financial crisis for your entire family.
manage_search Insurance Terms

What Should Travelers Look For in USA Health Insurance for Foreigners?

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Deductible

Amount you pay before insurance kicks in

This is the amount that you can choose while purchasing the plan. The customer needs to pay this amount before the insurance plan starts making the payment for the total cost.

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Deductible range: $100 to $5,000 or more it is up to the customer to choose this amount while purchasing the plan.

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Copay / Copayment

Fixed amount per doctor visit

Copay is the amount you pay after a doctor's visit to the provider's office. It is a fixed amount. If the fixed amount for copay is $20 for in-network doctors, you pay that amount every time you visit the doctor's facility. This amount is regardless of the consultation charge in the doctor's office.

Example: In-network doctor copay = $20 per visit. You always pay this fixed amount regardless of what the doctor charges. Co-pay amount varies depending on the type of service.
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Coinsurance

Percentage you pay after the deductible

This is the percentage amount that the customer pays after the deductible amount is satisfied. This amount is paid on top of the co-pay. It is usually 20% of the total cost of the medical bill.

Coinsurance is applicable up to a certain dollar limit which is usually $5000 in most of the plans after which the insurance company pays 100%.

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Some plans waive the coinsurance if the customer visits a provider who is within the PPO network supported by the insurance company.

Travelers can review the short term medical insurance glossary for visitors to the USA to understand other terms and also check the travel insurance guide for easy understanding.

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PPO Network

Provider network of doctors and hospitals

It is important to understand the in-network and out-of-the-network concepts. PPO networks are the provider networks that accomplish the network of doctors under certain geographical areas. If you go to a doctor associated with a provider network, you will be getting the benefits of in-network. Likewise, the insurance plan also provides coverage out of the network. In that case, a visitor insurance plan will cover you with any doctor in the US.

If your visitor insurance plan has a PPO network, then it is always recommended to consult a doctor with the in-network doctors. This might waive the coinsurance amounts or the provider will be interested in directly billing the insurance company in case of claims.If you go for an out-of-network doctor, the coinsurance amount is applicable for the most part, and chances of direct billing are very less, although you can contact the insurance company for reimbursement.

In-Network
  • check_circleDiscounted rates available
  • check_circleDirect billing available
  • check_circleCoinsurance may be waived
  • check_circleLess paperwork for you
Out-of-Network
  • check_circleCoinsurance applicable
  • check_circleDirect billing less likely
  • check_circlePay upfront, then claim
  • check_circleContact insurer for reimbursement
warning

Precertification: Some insurance companies need precertification from the customer before they go in for any treatment. Precertification is to get in touch with the insurer and let them know about the illness or the treatment they will get. Each insurance company has its own rules for dealing with out-of-network doctors.

health_and_safety Short Term Coverage

Best Short-term Medical Insurance for USA Visitors

If you're looking for flexible coverage for a limited stay in the U.S., it's worth exploring short-term travel medical plans. These plans are designed to cover unexpected medical emergencies, hospitalization, and emergency evacuation during temporary visits, helping travelers manage high healthcare costs in the U.S. You can review short-term travel health insurance options and compare plans based on coverage, duration, and budget.

Best USA Visitor Insurance With COVID-19, Sports, and Pre-Existing Condition Coverage

I am traveling to the USA for a short trip and need visitor insurance that covers COVID-19, acute onset of pre-existing conditions, and common sports activities. Which plan is recommended?

commentMax
support_agentHi Max,

Thank you for contacting us for your insurance needs. The Patriot America Plus insurance plan offered by IMG is specifically designed for short term visitors to USA and is a hugely popular choice among tourists to America.

It is for unexpected medical expenses due to illness or injury/accident.

It can also be purchased by US citizens and green card holders who maintain a foreign residence address. The policy covers "acute onset of pre-existing conditions" up to the maximum of the plan purchased for persons under 70 years of age, but excludes chronic or congenital disorders. The company recently added the benefit of copays of $25 for urgent care centers and $15 for walk-in clinics which are paid INSTEAD of the deductible each time these facilities are used. The policy now covers common sports like skiing, snorkeling, surfing, and other common recreational sports without an additional rider (there is an adventure sports rider for more extreme sports). This plan also covers COVID-19 illness up to the maximum of the policy.

Here is our website with all the details on that plan:
Patriot America Plus insurance

Feel free to call or email us with any questions or comments you may have.

Regards,
Customer care
www.americanvisitorinsurance.com
phone(877) 340 7910
balance Plan Types

What Is the Difference Between Fixed Benefit and Comprehensive Temporary Health Insurance?

When choosing the best temporary health insurance for the USA, one of the most important decisions is whether to pick a fixed benefit plan or a comprehensive plan. Both types provide protection for unexpected medical expenses, but they work very differently when it comes to how claims are paid.

Feature Fixed Benefit Plans Comprehensive Plans
Description Pays a set, pre-determined amount for each covered medical service - for example, a fixed amount for a doctor visit, hospital room, or surgery - regardless of the actual billed cost. Pays covered medical expenses based on a percentage of the actual cost (coinsurance) after a deductible is met, up to the policy maximum.
How claims are paid Set dollar amount per service Percentage of actual cost (coinsurance)
Monthly premium Lower Higher
Best for Budget-conscious foreign visitors, tourists, and new immigrants who want affordable temporary coverage for occasional doctor visits or minor emergencies Visitors who may face costly hospitalizations and want stronger financial protection against large unexpected medical bills
Risk of out-of-pocket cost Higher, if bills exceed fixed amounts Lower, with coverage up to policy maximum
Things to know check_circle Lower monthly premiums than comprehensive plans
cancel If actual bills exceed the fixed benefit amount, the policy holder pays the difference
check_circle Coverage up to the policy maximum for eligible expenses
check_circle Better suited for large or unexpected medical bills
Example plans Visitor Secure, Visitors Care, Safe Travels Elite Atlas Travel, Patriot America Plus, Safe Travels USA Comprehensive
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Which should you choose? If you're generally healthy and want an affordable plan for occasional doctor visits or minor emergencies during a short stay, a fixed benefit plan such as Visitors Care may be sufficient. If you have a higher risk of hospitalization or need broader protection against large medical bills, a comprehensive plan such as Patriot America Plus is generally the safer option. For more details, see our guide on Fixed Benefit vs Comprehensive Visitor Medical Insurance.

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What Factors Determine The Cost of Best Health Insurance for Non-US Citizens?

1 Traveler's Age
The cost of medical insurance for travelers is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.
2 Type of US Travel Health Insurance
Comprehensive insurance provides exhaustive coverage but is more expensive than fixed benefit insurance which has a specified limit for each treatment.
3 Medical Maximum Coverage
The price of visitors insurance is directly dependent on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.
4 Region of Coverage
Travel insurance depends on the coverage region. The cost for visitor insurance for the United States is most expensive when compared to Europe or Asia.
5 Duration of Travel Insurance
The cost of trip insurance directly depends on the length of travel. The longer the duration of visitor medical insurance required, the higher will be the cost.
6 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.
shopping_cart How to Buy

What are The Steps to Buy The US Health Insurance for Foreigners?

Complete the travel insurance quote request form by providing details of the traveler and insurance requirements.
Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.
Purchase the best plan that fits your requirements and budget best by using a credit card and completing the online application.
Review the international travel health insurance policy for coverage details and relevant contact numbers.
short term health insurance for visitors to USA
help FAQs

Short Term Health Insurance for Visitors to USA FAQs

US short term health insurance works by providing temporary medical coverage for a specific duration, ranging from a few days to several months. It typically covers doctor visits, hospital stays, emergency care, and sometimes emergency evacuation, depending on the plan selected.
Temporary international travel health insurance is ideal for USA visitors, foreign nationals, tourists, parents visiting family, business travelers, new immigrants, and international travelers who need affordable short-term medical coverage. It helps protect against unexpected healthcare costs while traveling and is a popular choice for those looking for temporary health insurance USA or short term travel health insurance.
Yes, many short-term health insurance plans can be extended or renewed before the policy expires, depending on the insurer and plan terms. Most temporary health insurance USA plans offer coverage from 5 days up to 364 days, while some renewable visitor insurance plans can provide continued coverage for up to 2-3 years if eligibility and renewal requirements are met. If your policy expires before renewal, you will generally need to purchase a new plan.
Yes, non-US citizens can get temporary health insurance in the USA. These plans are designed for foreign nationals, tourists, visitors, recent immigrants, and other international travelers who need short-term medical coverage while staying in the United States.
With American Visitor Insurance, you can compare and purchase temporary health insurance plans online in minutes, with coverage available for stays ranging from 5 days up to 364 days (subject to plan availability and eligibility).
Most temporary health insurance plans for USA visitors offer coverage durations from 5 days up to 364 days. You can choose the exact start and end dates when purchasing your policy. If your stay is extended, many plans allow you to renew or extend coverage before the policy expiration date, subject to eligibility and insurer terms. If coverage expires before renewal, a new application may be required.
Some plans offer longer renewal options. For example, select IMG visitor insurance plans may be renewable for up to 2 years, while certain long-term visitor options such as Patriot Platinum may provide coverage for up to 3 years, subject to plan rules, eligibility requirements, and continuous renewal availability.
For long stays such as a six-month visit plans like Patriot America Plus and Atlas America can be purchased for the full duration at once, often at a lower effective daily rate than buying shorter policies back to back.
Yes Full domestic US health insurance (ACA plans) typically costs 400-$700 per month for an individual, often with high deductibles and strict enrollment windows. By contrast, short-term travel health insurance for USA visitors starts from around $20-$28 per month for fixed-benefit plans and 58-$170 per month for comprehensive plans, depending on age and coverage limit.
The best time to buy short-term travel health insurance for USA is as soon as your travel dates are confirmed ideally before you depart. Purchasing early ensures you are covered for any pre-departure cancellation scenarios that may be included in your plan. Some policies have waiting periods or stricter terms if purchased after arrival, so early purchase generally gives you broader protection and more plan options.
The best short-term medical insurance for international travel includes plans like Patriot America Plus, Atlas America, and Safe Travels USA Comprehensive, as they offer high coverage limits, PPO network access, and benefits like emergency evacuation and acute onset of pre-existing condition coverage.
The best health insurance for non residents in USA includes INF Elite X and Visitors Protect, especially for those with pre-existing conditions, as these plans provide broader coverage options along with high medical limits and long-term flexibility.
When choosing short term health insurance for visitors to USA, it’s important to check coverage limits, deductible options, PPO network access, and benefits like emergency evacuation and acute onset of pre-existing conditions. These features ensure better financial protection during your stay.
Health insurance for foreigners in USA is essential because medical treatment in the U.S. can be extremely expensive. Even a minor emergency can cost thousands of dollars, so having insurance helps cover hospitalization, doctor visits, and unexpected medical expenses.
You can buy the best short term health insurance for non U.S. citizens from trusted providers like American Visitor Insurance, where you can compare multiple plans, check coverage details, and purchase a policy online instantly based on your travel needs and budget.
Yes, some short term medical travel insurance plans for the USA offer pre-existing condition coverage, while others cover only the acute onset of pre-existing conditions. INF Elite X and Visitors Protect offer coverage for pre-existing conditions (subject to plan terms and eligibility), while plans such as Patriot America Plus, Atlas America, and Safe Travels USA Comprehensive provide coverage for the acute onset of pre-existing conditions only.
location_on State Restrictions

Which Are The US States That Have Restrictions for Some Travel Insurance Plans?

Some of the states in the US restrict the purchase of certain visitor health insurance plans. Some of the states that have this kind of purchase restriction are California, Maryland, Washington, Kentucky, Colorado, New York, and South Dakota.

Travelers can check US state health insurance for temporary visit restrictions for insurance restrictions. The restriction is only for the purchase of the plans. If you have the billing address of a restricted state and you are not purchasing the plan with that address, you can still use the plan in that state in case you need coverage.

autorenew Renewal & Extension

Can The Temporary Health Insurance for International Travelers be Extended or Renewed?

Most of the insurance plans can be renewed for a year or two. There is an anniversary date that these are associated with. Even if the plan has been purchased for more than a year, the deductible will reset on the Birth Date. If your plan expires, then you will have to purchase a new plan and will not be able to renew the old plan. Renewability of the US temporary travel insurance needs to be done before the expiration date.

In case of cancellation, refund of the premium

  • Trip cancellation is one of the major cases after the pandemic. Make sure that the baby is five.
  • Depending on when the cancellation is being done, there may be a cancellation fee.
  • If the plan is canceled before the effective date of the plan, then a full refund of the premium can be achieved.
  • If you cancel the plan after the effective date of the plan, then the unused portion of the premium can be refunded.

Traveling to the US or other countries can be a fun activity or experience only when you are insured for unexpected incidents. Domestic healthcare within the US is very expensive. This can lead to emergency situations and paying out-of-pocket can be risky.

storefront Why Choose Us

Why Buy Temporary Health Insurance for the USA Through American Visitor Insurance?

Choosing the right short-term health insurance is important for international visitors, tourists, and new immigrants who need reliable temporary medical coverage in the USA.

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Compare Temporary Health Insurance Plans Easily

Use the American Visitor Insurance comparison tool to compare multiple short-term health insurance plans for the USA. Easily compare coverage benefits, premiums, deductibles, PPO networks, and pre-existing condition coverage side by side to find the best plan based on your travel needs and budget.

groups
Trusted by Travelers, Tourists, and New Immigrants

For over 20 years, American Visitor Insurance has helped thousands of international travelers, tourists, visiting parents, and new immigrants find reliable temporary health insurance in the USA. Popular plans include Safe Travels Advantage, VisitorsCare, Visit USA Budget, Patriot America Plus, Atlas America, Safe Travels USA Comprehensive, and INF Elite X.

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Affordable Plans With Transparent Pricing

Compare affordable short-term health insurance plans for the USA with instant online quotes and no hidden fees, starting from as low as $20/month. Plans are available for different medical and budget needs, including emergency medical treatment, hospitalization, doctor visits, and medical evacuation coverage.

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Expert Support for International Visitors

American Visitor Insurance provides expert assistance to help travelers understand complex insurance terms such as deductibles, coinsurance, PPO networks, and acute onset of pre-existing condition coverage, helping them choose the right plan for their travel needs.

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Coverage Options for Fixed Benefit and Comprehensive Protection

International visitors have access to plans that provide either affordable fixed benefit coverage or broader comprehensive protection.

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Access to Top US Health Insurance Companies

Compare plans from leading insurance providers including INF Insurance, IMG, Trawick International, WorldTrips, and Global Underwriters, all in one place to simplify decision-making for short-term visitors to the USA.

verified
Licensed & Trusted Platform

American Visitor Insurance is a licensed U.S.-based insurance provider (NJ License #1181604), offering travelers a reliable and secure way to purchase travel insurance online.

Visitor Insurance Reviews

Reviews and experiences from verified travelers

DC
K in DC
★★★★

"Your customer service was outstanding and helped me find the perfect plan for my visit to the USA. The agent was very polite, answered all my questions clearly, and made the whole process simple. I am fully satisfied with the coverage I got. Thank you so much!"

S
Shermayne
★★★★★

"I wasn't expecting an update so soon! Thank you so much for getting back to me this promptly. I aim to complete the application process by tomorrow evening, and look forward to receiving the email regarding the compliance form."

A
Amanda
★★★★★

"Thank you for such helpful information. You've impressed me as I have contacted other companies and haven't gotten half of the information from them that you have sent me. I will take what you've said into consideration and hope to be in touch soon."

menu_book Resources

Resourceful Tourist Health Insurance USA Information

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Find the best travel insurance

Find out the best insurance for your budget and needs.

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How does travel insurance work?

Claims process for expenses due to injury or sickness.

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How to buy travel insurance?

Guide to buying the best international travel insurance for USA.

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Travel insurance glossary

Commonly used international travel medical insurance terms.

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Travel insurance for specific groups

Tourists, Cruises, Students, J1 visa, OPT status, Immigrants...

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Compare the best travel insurance plan for your needs.

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Which are Common Exclusions in Short Term Travel Insurance?

While temporary international travel health insurance provides essential coverage for unexpected medical expenses, there are several common exclusions:

  • Pre-existing Conditions: Most policies exclude coverage for pre-existing medical conditions unless explicitly stated otherwise.
  • High-Risk Activities: Injuries or incidents resulting from extreme sports or adventure activities may not be covered.
  • War and Terrorism: Coverage often excludes injuries or damages resulting from acts of war or terrorism.
  • Intentional Acts: Damages or injuries caused by intentional or reckless behavior are not covered.
  • Losses Due to Alcohol or Drug Use: Incidents involving alcohol or illegal drug use are typically excluded.
  • Chronic Illness: Ongoing treatment for chronic conditions is usually not included.
  • Preventive Care Services: Routine check-ups, vaccinations, and immunizations are excluded.
  • Childbirth, Pregnancy, and Maternity Care: These services are not covered in most plans.
  • Dental Care: Only dental emergencies may be covered, while routine dental care is excluded.
  • Vision Care: Regular eye care services are not part of the coverage.
  • Skin Treatment or Cosmetic Surgeries: Non-essential or cosmetic procedures are excluded.

Pre-Approval Requirements

Some insurance plans require pre-approval (pre-certification or pre-authorization) for certain treatments. This involves notifying the insurer before receiving treatment for specific conditions.

  • In-Network Providers: Visiting in-network providers ensures that the insurance company directly coordinates and covers the treatment costs.
  • Out-of-Network Providers: Using out-of-network providers may require paying expenses upfront, with reimbursement processed later by the insurance company.

Understanding these exclusions and conditions helps travelers choose a plan that aligns with their needs and expectations.

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Helpful Resources for Short Term Travel Health Insurance for non us citizens

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Which Are the Best Travel Insurance Companies in USA?

You can find reliable U.S. travel insurance providers through American Visitor Insurance, including International Medical Group (IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insurance Services, Trawick International, and INF Insurance.

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