Comparison of Popular US travel insurance

Compare and buy US travel insurance, Tourist visa health insurance USA

Age & Citizenship
Start date
End date

Fixed benefit and Comprehensive US travel insurance

travel Health insurance

Before comparing the popular US travel insurance plans, you need to understand the difference between Fixed and Comprehensive plans. Following are some of the important US travel insurance terminologies that you should focus on:

  • Premium : This is the cost or the charge that you pay while you make the purchase of a plan.
  • Deductible : This is a small amount starting with 50 and can go up to as high as 2000 which is the amount that the insured pays before the insurance company starts paying for claim expense. This can be per injury/sickness or it could be per policy period.
  • Co-Insurance : This is a percentage amount that the insured pays after the deductible is satisfied, up to certain limit after which the insurance company pays 100%. Usually this would be 10-20%.
  • Policy maximum : This is the maximum amount a policy can pay in any kind of urgent emergency situation.

Fixed benefit Travel insurance plans are also known as scheduled benefit plans. They are limited in their coverage. They are low priced and highly economical and are attractive for the customers. Taking a deeper look, Fixed plans set a fixed amount for each and every benefit.

Co insurance is not applicable to these plans as they do not pay any percentage amount for the benefits provided. Policy maximum values for these plans are generally $50,000 and $100,000, but the claims are not paid up to the policy maximum for every benefit.

Ex: Let us say that the doctor visit charge is $250, and the deductible is $50 and the plan has a set amount of $55 for doctor visit. For the first visit the customer needs to satisfy the deductible. Therefore, the insurance company will pay $5 and the customer has to pay $245 out of his pocket. If the deductible for the plan is a per injury/sickness deductible, then for each new doctor visit the deductible has to be satisfied.

For the next visit, if the doctor bill is $250, then the insurance company will pay the set amount of $55 as the deductible is satisfied and the customer is responsible for the rest $195. Here is a list of some popular fixed plans from different companies which people buy when they visit the US.

The plans that provide medical coverage for acute onset of pre existing conditions for people above 70 are, Safe Travels Elite and the INF plans. Visitors Care from IMG provides only $2500 coverage for people above 70 for acute onset of pre existing conditions.

Comprehensive travel insurance plans on the other hand, offer coverage up to the policy maximum for every benefit. There is a co insurance factor applicable with these plans, where the customer pays a set percentage of the claim expense after the deductible up to certain limit, after which the insurance company will pay 100% of the expense incurred.

For instance, if you have a plan with deductible $100 and the co insurance is 20%. Let's say expense incurred is $1000. Then here is how the claim expense will be calculated:

The customer need to satisfy the deductible of $100. Therefore with the remaining $900, the customer will pay 20% of $900 which is $180 and the insurance company will pay $720. For the next claim, the deductible is satisfied and customer will have to pay the percentage co insurance only. This will go on up to certain dollar limit which is usually $5000. Once the expense crosses this limit, the company will pay 100%.

Here is the list of the plans:

You can Compare Travel insurance by getting quote. However, inspite of many plans available for visitors, having a closer look at the benefits of each plan will help to make better decision in order to meet the requirements of the customer.

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.

Resourceful tourist insurance USA information

Find the best travel insurance

Find out the best insurance for your budget and needs

Click here to read more »

How does travel insurance work?

Claims process for expenses due to injury or sickness

Click here to read more »

How to buy travel insurance?

Guide to buying the best international travel insurance

Click here to read more »

Travel insurance glossary

Commonly used international travel medical insurance terms

Click here to read more »

Travel insurance for specific groups

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

Click here to read more »

Compare travel insurance plans

Compare the best travel insurance plan for your needs

Click here to read more »

Testimonials - From Our Customers

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.
Know more »


I recently visited your website for the first time to buy insurance for travel to US. I found the information very good. Your customer support was fantastic and awesome. You were so dedicated to take care of my inquiries. I would rate your service 100/100.
Know more »


I am pleased to say that your company is very professional in the field of Insurance. The customer is happy to get easily connected and then you very patiently explain the difference between various plans to suit each customer's need.
Know more »

Lori Fields

Comparison Travel Insurance - Frequently asked questions

01. How much does US visitor insurance cost?

The cost of visitors insurance in USA depends mainly on the following factors; The age of the traveler, the duration of visitors insurance coverage, type of visitors insurance (fixed vs comprehensive coverage), any add on coverage requirements, or the need for health insurance for visitors to usa with pre-existing conditions.

02. Which is the best visitor insurance in USA?

The best visitor insurance in USA will vary from visitor to visitor depending on their unique needs. There is no single visitors medical insurance which will work best for all visitors to the US. While some visitors will look for the cheapest visitors insurance plan, others will look for the most comprehensive visitors insurance coverage.

The price will be higher if you need health insurance for visitors to usa with pre-existing conditions. It is recommended to compare different visitor insurance plans based on price as well as the different benefits coverage options. Visitors should also read different visitors insurance reviews before they buy visitor insurance USA.

03. What travel insurance covers the USA?

US Travel insurance plans for coverage can be purchased online at American Visitor Insurance to get a medical and travel insurance cover in the United States. International travel insurance provides coverage for unexpected medical emergencies during the travel period. Travel insurance is particularly important during the Covid19 pandemic for safe travel to the US.

American visitor insurance offers customers with some of the best US travel insurance options which can be compared to find the most appropriate product for one’s needs. For more details travelers can call the customer service or email and the team will be glad to help.

04. Is travel medical insurance necessary?

Travel medical insurance has evolved as one of the most important travel documents and can be considered as a necessity. It provides coverage for sudden illness or injury that may occur while the traveler is away from home.

In case of hospitalization it covers the medical bills and treatments availed. It also provides coverage for trip cancellation, trip interruption and various other benefits that a traveler can choose according to the requirements.

05. What are the benefits of travel insurance?

Travel insurance is important while travelling overseas for business or for pleasure. Unforeseen incidents and mishaps can occur hence it’s important to be prepared.

By purchasing travel medical insurance, you’ll be covered against emergency evacuation and medical expenses, and trip insurance will cover trip interruptions or cancellation, loss of passports or wallet, misplaced luggage. Travelers can also include Cancel for any reason cover that offers maximum coverage.

06. What type of insurance should I buy while traveling to USA?

When traveling to the US, there are different types of travel insurance you can consider, depending on your specific needs and the nature of your trip. US insurance providers on American Visitor Insurance offer different types of insurance for different visas for different purposes, such as tourism, business, employment, study, and family reunification. When traveling to the US on any of these visas, having the best US travel health insurance is strongly recommended due to the high cost of healthcare in the U.S. Some visa types like the J1 visa requires the visa holder to have mandatory health insurance while most other do not.

It's important to ensure that the chosen insurance plan complies with any visa-specific requirements and provides adequate coverage for potential medical expenses during your stay in the U.S. Keep in mind that U.S. immigration policies may change, so it is crucial to check the latest information and requirements on the official US government website when planning to apply for a U.S. visa.

07. What is the different b+etween travel insurance and visitors insurance?

"Travel insurance" and "visitor insurance" are terms that are sometimes used interchangeably, but they can refer to different types of insurance products, and their meanings may vary depending on the context. Travel Insurance:

    Travel Insurance:
  • Scope: Travel insurance is a broad term that encompasses various types of insurance coverage designed to protect travelers from financial losses or unexpected events during their trips.
  • Coverage: It typically includes benefits such as trip cancellation/interruption, emergency medical expenses, travel delay, lost baggage, and other related protections.
  • Duration: Travel insurance is often purchased for a specific trip or period of travel, whether domestic or international.
  • Applicability: It is suitable for a wide range of travelers, including those going on vacations, business trips, or other types of travel.
  • Visitor Insurance:
  • Scope: Visitor insurance specifically caters to individuals who are visiting a foreign country, often for a short duration, and need coverage for medical expenses or other unexpected events during their stay.
  • Coverage: The primary focus is on providing medical coverage for illnesses or injuries that may occur during the visit. Some visitor insurance plans may also include coverage for travel-related incidents.
  • Duration: Visitor insurance is typically designed for short-term stays, and coverage is usually available for a specified period, such as a few days to several months.
  • Applicability: It is intended for individuals visiting another country temporarily, such as tourists, family members, or friends.
  • In summary, while travel insurance is a broader term that encompasses various types of coverage for different types of trips, visitor insurance specifically targets individuals visiting a foreign country and emphasizes medical coverage for the duration of their stay.

What is the best US visitors insurance with pre-existing conditions coverage?

The best US visitors insurance with pre-existing conditions coverage is listed here :

  1. The INF Elite plans are designed for travelers who need coverage for full pre-existing medical conditions up to age 99 years. INF Elite plans are comprehensive plans available for people traveling to the US and provide flexible coverage. Minimum Purchase of 90 days is required on the plans.
  2. Safe Travels USA Comprehensive offers coverage for acute on set of pre-existing conditions up to 89 years. For persons under 70 covers medical treatment to policy maximum (cardiac-related treatment up to $25,000). For persons above 70 Acute Onset benefits is reduced to a maximum of $35,000 (cardiac-related treatment up to $15,000).
  3. Atlas America Insurance is a comprehensive visitor insurance for acute on set of pre-existing conditions that covers Non-US citizens and Non-US residents while visiting the US up to age 79 years.
    The plan provides acute onset of non-chronic pre-existing conditions coverage..
  4. Patriot America plus is Comprehensive travel insurance covers acute on set of pre-existing conditions up to chosen maximum limit aged up to 70 years. This plan is available for Non US citizens travelling to the USA and US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while. Plan is suitable for Green Card holders as long as they reside outside the US.
  5. Visitors Protect is Comprehensive visitor medical insurance offers pre-existing conditions up to age 99 years. Minimum Purchase of 90 days is required on the plan. It is an affordable plan for visitors visiting the US.
  6. Safe Travels USA is a cheap travel medical insurance plan that covers sudden, unexpected recurrence of a Pre-existing Condition for Non-US Citizens and Non-US Residents while visiting the USA up to 89 years.


Contact our customer service team, we are here to help you!

Travel tips for international travelers – safety, comfort and wellness

Click here to read more »

Resourceful visitors medical insurance information

Visitor insurance resources
Visitors travel insurance for medical emergency outside your home country..

Know more »

Visitors insurance factors
Important factors while deciding on the best travel insurance for USA.

Know more »

Types of travel insurance online
Understanding different types of travel health insurance plans.

Know more »

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

Know more »

Ask me a Question?

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

Expertise in offering travel insurance
20+ years!

Customers from
All U.S. states!

Customers from over
180 countries!