Eligibility for buying visitor health insurance, Can I buy travel insurance after arrival

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visiting usa

Can I buy travel insurance after arrival in the USA?

One of the more crucial requirements for international travel is visitor medical insurance since medical expenses in a foreign country can be crippling in countries like the US where cost of healthcare is very expensive. Having sufficient and best international travel insurance makes your international travel an enjoyable experience taking care of your hard earned money in the event of any unexpected injury or sickness.
While buying travel insurance USA for travelling to USA it is important to understand visitors insurance purchase process, that it has to be bought before arriving in the foreign country. There are many insurance companies who have excellent plans for covering unexpected sickness and injury but they stress that the customers purchase the policy before they arrive in their international destination.
Buying US visa medical insurance early is important to ensure that the travel health insurance is used legitimately for incidents that occur after the insurance has been purchased as opposed to buying travel insurance after one has a specific need of a medical treatment. However there are legitimate instances where travellers are compelled to buy the travel insurance after reaching the destination country. Some of these reasons include the inability to renew an existing travel insurance plan purchased from their home country, or students who finish their school work and are not eligible to buy student insurance, but need health coverage for the Optional Practical Training (OPT) status. It is very important to understand that even without an eligibility timeframe, you cannot buy the insurance after having an medical ailment which needs treatment. Any existing medical ailment before you buy the insurance will be considered as a pre-existing condition, and the coverage will be considered under the Pre-existing condition visitor insurance coverage criterion.

Different insurance providers have different eligibility time limits after reaching the destination country for travellers to buy their travel insurance products. Listed below are the criteria for some popular insurance providers.

INF Insurance is another company that has visitor medical insurance plans for visitors to the US, Canada and Mexico and they do not have any arrival time restrictions as. The INF Insurance fixed and comprehensive plans have excellent coverage for pre-existing conditions even for older travellers.

The International Medical Group (IMG) offers popular fixed and comprehensive visitor insurance plans for all budgets. They have an eligibility criteria which is inbuilt in their online application. Customers will not be allowed to buy their plan once they have exceeded the eligibility time frame of being in the destination country.

Some of the other companies that do not have arrival time restriction in the US are highlighted below:
TokioMarine HCC (formerly HCCMIS) travel insurance does not have any eligibility time limits to buy their visitor travel insurance plans.

Trawick International is another company that has plans for visitors and they do not have any arrival time restrictions as well. Their comprehensive plans have very good coverage for acute onset of pre-existing condition for even people who are above 70 which makes these plans unique from other comprehensive plans.

Travel Insurance Services has excellent comprehensive plans for Green Card holders and visitors. Their Visit USA Healthcare plan has good sports coverage as well. Their student plans are quite popular as well for their benefits. The plans from this company have a unique advantage where they do not have state restriction in the US where, purchasing of plans while located physically in some states is prohibited although the coverage is still available when purchased in a different unrestricted state in the US.

Global Underwriters is another popular provider and their Diplomat America plan is suitable for visitors as well as US citizens visiting US for brief time. They provide a year coverage with the plan for US citizens visiting US.

Review best visitors insurance for USA:

Age
Spouse Age
Start Date
End Date
Comprehensive plans  pays for all expenses after the deductible and co-insurance component and are recommended given the high costs of health care in the US.
Maximum coverage#1
Deductible#2
COVID19 Coverage
Key Features: Acute onset of pre-existing conditions coverage of $10,000 for visitors up to 64 years and $5,000 for 65 to 74 years in USA. Details...
$33.79
PER MONTH
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Maximum coverage#1
Deductible#2
Pre-Existing / COVID19
Key Features: Great coverage for a great price. Offers coverage for coronavirus and pre-existing conditions. Details...
$37.00
PER MONTH
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Maximum coverage#1
Deductible#2
Key Features: Covers coronavirus sickness medical expenses
Always eligible for purchase no matter what age and how long a person has been in the US Details...



$42.16
PER MONTH
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Fixed benefits plans  have specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.
Maximum coverage#1
Deductible#2
Key Features: Covers Pre-existing condition upto Policy maximum. Most economical option with a $25k maximum and lowest deductible option. Details...



$38.00
PER MONTH
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Maximum coverage#1
Deductible#2
Key Features: High maximum available. Details...





$49.91
PER MONTH
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Maximum coverage#1
Deductible#2
Key Features: Pre-existing conditions covered as any other for persons under 80 Details...




$63.55
PER MONTH
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#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.

Resourceful visitors medical insurance information

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Best health insurance for visitors to USA, Best travel insurance for USA

Best health insurance for visitors to USA - Comprehensive plans
  • Patriot America Plus Covid insurance offers coverage for coronavirus illness.
  • Covers acute onset of pre-existing conditions till maximum limit (up to 70 years).
  • Available for US citizens visiting USA
  • Atlas America Covid insurance offers coverage for coronavirus illness.
  • Covers acute onset of pre-existing conditions till maximum limit (up to 70 years).
  • Diplomat America Covid insurance offers coverage for coronavirus sickness
  • Available for US citizens visiting USA
  • Safe travel USA Comprehensive Covid insurance offers coverage for coronavirus.
  • Covers acute onset of pre-existing conditions up to policy maximum.
  • It offers coverage for visitors up to 89 years.
  • INF Elite Network Covid19 insurance offers coverage for coronavirus.
  • Treats Coronavirus/covid19 as a new sickness & covered by the plan
  • Best comprehensive plan that covers all pre-existing conditions up to 99 years.
  • Liaison Travel Plus Covid insurance offers coverage for coronavirus sickness
  • Covers treatment of acute onset of pre-existing conditions (up to 75 years)
Best travel insurance for USA – Fixed benefit plans
  • Optional pre-existing conditions rider offers coverage for Stroke or Myocardial Infarction (heart attack) for travelers of any age.
  • Plan can be renewed up to 2 year.
  • Offers coverage for acute onset of pre-existing conditions up to 79 years.
  • Renewable up to 364 days
  • It offers coverage for acute onset of pre-existing conditions up to 70 years.
  • Plan can be renewed up to 364 days.
  • INF Premier Covid insurance covers coronavirus illness.
  • Covers all pre-existing conditions, this means doctors, appointments, blood tests & labs, specialist care, urgent care visits, & hospital stays are all covered for pre-existing conditions.
  • Renewable up to 364 days
  • Safe Travels Visitors to USA Covid insurance covers coronavirus illness.
  • Covers acute onset of pre-existing conditions up to 89 years.
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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.
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