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Visitor Travel insurance coverage details

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🌍 What is US Visitor Medical Insurance?

Visitor Insurance, also popularly known as Travel Medical Insurance, provides coverage for unexpected sickness and injury while traveling outside the home country.

  • 2020 Pandemic: Travel saw a sharp decline, with very few people traveling during the early months.
  • Global Travel Industry: The pandemic led to a significant fall-off in business across many industries, especially travel.
  • Later Part of 2020: Showed progress, with travelers returning home after extended stays abroad or visiting family overseas.
  • One of the most important requirements in the travel insurance is coverage for Covid-19
  • Early Pandemic (March–April 2020):
    • Many travel insurance companies ceased coverage for COVID-19.
    • This was due to strict travel restrictions and guidance from the World Health Organization.
  • After Vaccine Drives:
    • Travel slowly restarted.
    • COVID-19 coverage became essential in visitor medical insurance.
  • Traveling remains risky due to various mutations of the SAR’s virus.
  • The Omicron and Delta variants are considered more infectious.
  • Travelers with covid19cover need not worry:
    • Coverage applies even for mutated variants.
    • Visitors are covered if they contract the illness, irrespective of the variant.

🛡️ Visitor Insurance Coverage After June 2020

Other Benefits of Visitor Insurance

Types of Visitor Insurance Plans

Senior Citizen Travel Insurance

What are the different types of US visitors travel insurance?

Fixed Benefit travel insurance

A fixed benefit travel insurance plan is the cheap health insurance for visitors to USA plan, however this is because the fixed benefit travel insurance have a fixed limit of coverage for different medical benefits. Fixed benefit visitor insurance works well for small ailments but can be inadequate for more serious medical conditions involving hospitalisation.

Cheapest fixed benefit visitor insurance plans for the USA

The cheapest US travel insurance is Safe Travels Advantage. The other affordable travel insurance for the US are Venbrook Essential from Venbrook International and Visitors Care from IMG. These plans offer basic coverage at lower cost for visitors to USA.

VisitorSecure is an another affordable travel insurance plan designed for international travelers visiting the US. Offers up to $1,000,000 in emergency medical expenses, medical evacuation, and repatriation.

Safe Travels Advantage
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$20 Per month

Age: 40 years | Plan: $25,000 | Deductible: $0

  • Policy maximum limits ranges from $25,000 to $150,000
  • Deductible option $0
  • Coverage from 5 - 364 days
  • Covers acute onset of pre-existing conditions related to Cardiac Conditions or Stroke
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Venbrook Essential
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$25 Per month

Age: 40 years | Plan: $25,000 | Deductible: $0

  • Policy maximum limits ranges from $25,000 to $150,000
  • Deductible options $0
  • Coverage from 5 days - 12 months
  • Covers acute onset of pre-existing conditions coverage up to policy maximum
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Visitors Care
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$26 Per month

Age: 40 years | Plan: $25,000 | Deductible: $0

  • Policy maximum limits ranges from $25,000 to $100,000
  • Deductible options $0 to $100
  • Coverage from 5 days - 2 years
  • Covers acute onset of pre-existing conditions coverage
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Comprehensive travel insurance

Comprehensive travel insurance provide full coverage for medical expenses up to the policy medical maximum limit. As opposed to fixed benefit visitor insurance there are no coverage limits for each benefit. It is much more expensive when compared to fixed benefit plans but also provides significantly superior coverage especially in case of a serious medical emergency or hospitalisation.

Best comprehensive visitor insurance plans for the USA

Some of the top recommended best comprehensive plans are Patriot America Plus by International Medical Group, Atlas America from WorldTrips, Safe Travels USA Comprehensive from Trawick International. These plans are well-suited for travelers to the U.S., offering robust medical coverage along with benefits for the acute onset of pre-existing conditions.

Patriot America Plus
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$74 Per month

Age: 40 years | Plan: $50,000 | Deductible: $250

  • Policy maximum limits ranges from $10,000 to $1,000,000
  • Deductible options $0 to $2,500
  • Coverage from 5 days to 12 months
  • Covers acute onset of pre-existing conditions
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Atlas America
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$76 Per month

Age: 40 years | Plan: $50,000 | Deductible: $250

  • Policy maximum limits ranges from $10,000 to $2,000,000
  • Deductible options $0 to $5,000
  • Coverage for 364 days
  • Covers acute onset of pre-existing conditions, also includes $25,000 lifetime maximum for emergency medical evacuation
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Safe Travels USA Comprehensive
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$87 Per month

Age: 40 years | Plan: $50,000 | Deductible: $250

  • Policy maximum limits ranges from $25,000 to $150,000
  • Deductible options $0 to $5,000
  • Coverage from 5 days to 364 days
  • Covers acute onset of pre-existing conditions coverage up to 100% policy maximum
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Other top-rated comprehensive visitor insurance for USA are:

  • Patriot America Lite: Cheap short term health insurance plan designed for visitors to the US. It offers coverage for emergency medical treatment and medical evacuation, with coverage limits up to $1,000,000. However, do not include covid coverage and coverage for acute onset of pre-existing conditions.
  • Travel Medical Basic: Affordable coverage for emergency medical treatment and medical evacuation during short-term travel to the US. It covers acute onset of pre-existing conditions for visitors aged under 80 years. This plan offers comprehensive travel medical insurance with covid expenses and are recommended for group travelers.

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.

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.

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!

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What is the best health insurance for visitors to the USA?

Here is the list of best travel insurance for visitors to USA, available at affordable prices on American Visitor Insurance.

Patriot America Plus IMG

Patriot America Plus is a comprehensive short-term travel insurance for individuals and families visiting the USA.
  • Direct Billing: First healthcare First health care Provider Network or United HealthCare United Healthcare Provider Network
  • Urgent Care: $30 per incident; no copayment if deductible is $0
  • Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years
  • Emergency medical evacuation: Up to $1,000,000
  • Patriot America Plus cost for 40 year old traveler ranges from $52 to $169 for a month.
  • Policy maximum?
    $50,000 to $1,000,000

  • Deductible options?
    $0 to $2,500

  • Period of coverage?
    5 days to 12 months

Atlas America WorldTrips

A popular comprehensive travel insurance plan for non-U.S. citizens visiting the United States.
  • Direct Billing: Unitedhealthcare United Healthcare Provider Network
  • Urgent Care: 15 per incident; no copayment if deductible is $0.
  • Maternity: Covers complications of pregnancy in the first 26 weeks
  • Acute onset of pre-existing conditions: Up to maximum limit, for ages up to 80 years
  • Emergency medical evacuation: Up to $1,000,000
  • Atlas America Insurance cost for 40 year old traveler ranges from $46 to $216 for a month.
  • Policy maximum?
    $10,000 to $2,000,000

  • Deductible options?
    $0 to $5,000

  • Period of coverage?
    Up to 364 days

Safe Travels USA Comprehensive Trawick International

Affordable travel insurance with pre-existing conditions for Non US residents/citizens visiting USA.
  • Direct Billing: First HealthCare First health care Provider Network
  • Urgent Care: $30 per incident; no copayment if deductible is $0
  • Maternity: Emergency medical treatment for pregnancy, up to $1,000
  • Acute onset of pre-existing conditions: Up to 89 years
  • Covers up to $1,000,000 for medical expenses and $2,000,000 for emergency evacuation.
  • The plan also includes a wellness visit benefit.
  • Safe Travels USA Comprehensive cost for 40 year old traveler ranges from $55 to $204 for a month.
  • Policy maximum?
    $50,000 to 1,000,000

  • Deductible options?
    $0 to $5,000

  • Period of coverage?
    5 days to 364 days

Visitors Protect IMG

Top comprehensive travel insurance plan with pre-existing conditions for travelers to the U.S., Canada, and Mexico.
  • Direct Billing: First healthcare First health care Provider Network or Unitedhealthcare United Healthcare Provider Network
  • Urgent Care: 15 per incident; no copayment if deductible is $0
  • Pre-existing conditions: Up to 99 years
  • Minimum purchase is 90 days
  • Visitors Protect Insurance cost for 40 year old traveler ranges from $300 to $750 for 3 months.
  • Policy maximum?
    $50,000 to $250,000

  • Deductible options?
    $250 to $5,000

  • Period of coverage?
    Minimum purchase 90 days

SafeVista Protect INF

Popular comprehensive travel insurance plan with pre-existing conditions for travelers visiting USA
  • Direct Billing: Unitedhealthcare United Healthcare Provider Network
  • Urgent Care: Up to $25 co-payment
  • Acute on set of pre-existing conditions: Up to 99 years
  • SafeVista Protect Insurance cost for 40 year old traveler ranges from $74 to $127 for one month.
  • Policy maximum?
    $100,000 to $1,000,000

  • Deductible options?
    $0 to $5,000

  • Period of coverage?
    10 days to 364 days

Venbrook Premier Venbrook International

Ideal for non-U.S. residents visiting the United States who are seeking comprehensive travel medical insurance with higher coverage limits.
  • Urgent Care: $30 copay if the $0 deductible is chosen
  • Acute onset of pre-existing conditions: Up to maximum limit, for ages up to 70 years
  • Emergency medical evacuation: Up to $1,000,000
  • Venbrook Premier Insurance cost for 40 year old traveler ranges from $40 to $140 for a month.
  • Policy maximum?
    $50,000 to $1,000,000

  • Deductible options?
    $0 to $5,000

  • Period of coverage?
    5 days to 12 months

Visitors insurance for the USA FAQ's

1. How to buy visitors insurance? How to find the best visitor health insurance?

There are many visitor health insurance plans for coverage in the USA offered by US insurance providers. Given the several US visitor insurance options, it can be confusing to find the best health insurance for travel to USA for your needs. What is very useful in making this decision is to compare travel insurance USA of different companies.

The US travel insurance comparison allows travelers compare prices as well as coverage benefits in an objective manner. The traveler can change relevant factors like the medical maximum coverage required, the US traveler insurance deductible, any US travel health insurance plans with coverage for pre-existing ailments, travel insurance USA coverage for Covid19.

The global travel insurance comparison also allows travelers to buy the best travel insurance based on ones needs by completing an online application and paying using a credt card. One completing the purchase the travel insurance plan is emailed to the customer.

2. Is visitors travel insurance a good idea? Is medical insurance required for US tourist visa?

Visitor medical insurance is not just a good idea, but a necessity! Health Care is very expensive in countries like the US, where not having travel health insurance for USA can be catastrophic. Having Visitors Insurance for USA visitors can be a huge relief which comes in handy during any major unexpected sickness or injury while in a foreign country. International travelers are urged to buy visitor insurance USA to have a safe sojourn outside their home country.

3. Can a tourist get health insurance in USA? Can foreigners buy insurance in USA?

Yes, international tourists can and should buy visitors health insurance in USA. Given the high cost of US healthcare, it is very risky to travel to the US without the best visitors insurance for usa for visitors.

International tourists can compare different visitor insurance plans online and then buy travel insurance for USA Visitors to get coverage as early as the following day.

4. Do I need medical insurance to travel to the US?

Purchasing medical insurance for travelling to the US is not mandatory, however it's best to get a travel medical insurance. Healthcare in the US is very expensive and if there is need for hospitalization travelers may end up in a huge financial loss. An adequate US travel insurance plan will provide coverage for medical expenses incurred in case of any injury or illness especially during the pandemic.

5. Can I travel to the USA without travel insurance?

Yes, one can travel to the USA without travel insurance, however this is very risky given the high cost of US healthcare services.One can easily buy travel insurance for USA online by comparing available popular options on American Visitor Insurance.

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Which Are the Best Visitors Insurance Companies?

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

Which are the best visitors insurance companies?

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HTH Worldwide
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