Best time to buy travel health Insurance





  • Policy Maximum#1
  • Deductible#2
  • Available for green card holders.
  • Key Features:  This plan provides accident and sickness medical coverage with Acute onset of pre-existing conditions coverage up to 89 years.
  • Policy Maximum#1
  • Deductible#2
  • COVID19/Pre-existing Coverage
  • Key Features: Great coverage for a great price.
  • Policy Maximum#1
  • Deductible#2
  • Best for travelers expecting first-class medical coverage
  • Key Features Covers Acute onset of pre-existing conditions coverage up to 70 years.
  • Policy Maximum#1
  • Deductible#2
  • Covers Acute onset of pre-existing conditions.
  • Key Features: This plan is always eligible for purchase no matter what age and how long a person has been in the US

INF Standard

PER MONTH

by INF inf logo
  • Policy Maximum#1
  • Deductible#2
  • Fixed benefit plan for parents visiting the USA
  • Key Features: This plan has a minimum purchase requirement of 30 days. Fixed benefit plan for new sicknesses & accidents.
  • Policy Maximum#1
  • Deductible#2
  • Covers Acute on set of pre-existing conditions.
  • Key Features: Visitor Secure insurance as an affordable scheduled benefit plan for visitors to USA. High maximum available.
  • Policy Maximum#1
  • Deductible#2
  • Available for green card holders.
  • Key Features: Safe Travels Elite offers Scheduled Benefits accident and sickness medical coverage.Cheap US visitor medical insurance plan.

#1 Maximum Coverage is the maximum eligible medical expenses that the plan will cover.


#2 Deductible is the amount of expenses that must be paid out of pocket before an insurer will pay any expenses.

What does visitor travel insurance cover?

Health care expenses

Covers hospital expenses for sickness or accidents.

Doctor visit

Insures Doctor visits for sudden injury or sickness.

Pharmacy drugs

Doctor prescribed eligible pharmacy drugs expenses.

Pre-existing conditions

Some plans insure acute onset of pre-existing conditions coverage.

Medical evacuation

Medical evacuation expenses to nearest facility included.

Repat of remains

Repatriation of remains to home country included.

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Covid-19 travel insurance for international travelers

While travelling in the midst of a coronavirus pandemic, one must ensure that they have the right travel health insurance with proper Covid-19 coverage.

At America visitor insurance travelers can get visitors insurance for Covid-19 illness. We offer a range of options for visitors where they can compare using our Visitors insurance for Covid19 comparison tool based on the factors like the travelers age, duration of travel, the maximum coverage required, deductible and the need for pre-existing conditions or for covid coverage.

Travelers can narrow down their search further by applying the “filter” option for Covid19 available in the tool. Please know we are here to help you make the best, informed decision to get coverage even for COVID-19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

An overview

Buying travel insurance

travel Health insurance Dear Cautious Traveler,

Today I am going to talk about the timing of getting your travel health insurance. We get many calls from people who are already on their trip (here in the US or abroad) and wonder if they can "now" purchase visitors medical insurance or international travel insurance.

Of course, we recommend that you purchase your visitors insurance after you have your tickets and travel dates in order so that you are covered from the moment you leave until the time you return (for tricky time zone issues note that all policies begin and end using Eastern Standard Time). However, you can still purchase insurance once you are on your trip.

BUT, we also get a number of calls from people whose loved ones are “already” in the Emergency Room or already not feeling well. In that case, I'm afraid, that your insurance plan (even if you purchase it right away) will NOT cover what is already going on. Remember: you need to buy the visitor medical insurance “before” you need it.

To buy a plan and then lie about when symptoms started is not only potentially dangerous to the patient, but would also be constituted as fraud which is a serious crime. Of course, we cannot recommend any such course of action. Better to make your purchase to include all your travel. However, there are sometime reasonable circumstances for not making your purchase until after you or your loved ones have arrived at your destination.

Some people have other coverage that covers them until a certain point, or they change their travel plans and cannot extend a policy they already purchased. People have insurance through universities or an employer and sometimes changing paths may leave without insurance coverage. Or must have just forgotten to purchase it due to the covid19 travel requirement arrangements.

Here is a good news, you need not worry! In most cases, you can still purchase a policy. The soonest a policy can start coverage is the following day after the purchase, so if you do have a policy that is expiring or you change dates, here are some top rated insurance companies we work with who do not mind that you are already in a mid-trip when you start your policies, most of their forms are set up with terms like: trip start date, trip end date, date of arrival in US, etc..

Generally, you can put the date you want the policy to start (even if it was not your actual start date) and end (even if you may have other plans afterwards). However, if they specifically ask for a date you entered the US, you will have to give it as best as you can remember (if it was 5 years ago in Aug, just give a good guess... Aug, 15, 2014, since you cannot do less than give a particular date). If the form asks if you are already in your destination country, you will have to answer "Yes". That answer may restrict what you can purchase, but there are other options for you.

Answering covid related questions need to be completed carefully and accurately.You must always answer the questions honestly and straightforwardly.

Here are some plans that do not care how long you have been at your destination country: Patriot America Lite or Patriot International Lite, Atlas America or Atlas International, Travel Medical Insurance, Diplomat America or Diplomat International, and Safe Travels plans (although they prefer to cover your whole trip).

Here are some plans that “do” care how long you have been in the US (these are specifically for travel to the US), if you are over 65 years, you must purchase Visitor's Care or Patriot Travel plans within 30 days of arrival (these plans are offered by International Medical Group-IMG). However, if you had patriot travel Insurance coverage, you can waive this requirement.

Elite US visitor insurance is not available for visitors who are already in the USA. The Travel Medical USA insurance from Seven Corners must be bought within 12 months of arrival in the USA.

Happy trip planning! Most of these limitations are not an issue at all if you are within 30 days of arrival to your destination. If you are beyond that see what plans are available by using our US Immigrant insurance comparison tool.

Resourceful tourist insurance USA information

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 health insurance
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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 travel insurance plans

Compare the best travel insurance plan for your needs
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Travel Health Insurance - Frequently asked questions

Can you buy travel insurance the day you leave?

Yes. You can purchase the insurance the day you leave. A better day would be the day BEFORE the day you leave since a policy cannot start until the following day, so you will begin your trip without insurance (which we do not recommend).

However, it may make your wait in the airport a bit more productive!

Can I buy travel insurance at the airport?

Yes. Nowadays with airports having internet access, you can certainly purchase your travel insurance from the airport. It is not the most ideal situation (be careful of putting your credit card or personal information while on those open networks).

Ideally, you should make your purchase from a more secure location BEFORE you start your travel to get the most out of your policy.

Can I buy travel insurance after final payment?

Yes. You can purchase trip cancellation insurance at any point before the start of the trip. Of course, you get the most out of the policy the sooner you make your purchase.

AND, some companies will give you coverage for pre-existing conditions as long as you buy it within 10 or 15 days of your INITIAL trip deposit. So, again, this may not be the most ideal time to make your purchase, but better now than never and safer than sorry!

Resourceful travel medical insurance information

Visitor insurance resources Visitor Insurance Resources

Travel medical insurance resources

Choose international travel insurance resources for travel outside your home country.

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Factors for travel insurance Factors for Travel Insurance

Compare travel insurance factors

Important factors to consider while deciding on the best travel medical insurance.

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Types of visitor insurance Types of Visitor Insurance

Types of travel insurance online

Understanding different US travel insurance options, fixed benefits vs comprehensive coverage.

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Claims Procedure Travel Claims Procedure

Travel insurance Claims Procedure

Travel medical insurance online claims process for getting medical care in a hospital.

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Covid19 travel insurance

Covid travel insurance

US citizen travel insurance
Travel insurance for US citizens.
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Travel insurance for tourists to USA
Travel insurance with covid coverage for USA.
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Travel insurance outside USA
Travel insurance outside USA with Covid19.
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International student insurance
Student travel insurance that covers covid.
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Cruises travel insurance
Covid19 travel insurance for cruises.
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Europe Schengen Visa Insurance
Schengen Visa Covid19 travel insurance.
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Quarantine Travel Insurance
Trip delay and Quarantine coverage.
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Trip cancellation insurance
Trip cancellation insurance with covid19.
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New US Immigrant insurance
US immigrant/Green Card Covid insurance.
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Travel insurance for expatriates
Expatriate covid19 travel health insurance.
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US visitors insurance providers

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

US visitors insurance providers

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