✈️ Visitor Insurance Features
Every year, travelers from all over the world visit the United States on different visas, just as Americans travel overseas. Reasons for international travel vary — from business and vacation to visiting family, pursuing education, or conducting research.
In today’s world, international travel involves uncertainty and potential risks, especially since the COVID-19 pandemic introduced variants like Omicron and Delta, which can easily spread regardless of vaccination status.
This makes international travel insurance more important than ever. Visitor insurance helps protect travelers from unexpected medical expenses, trip interruptions, and emergencies while abroad.
- Travel health insurance is also popularly known as visitor medical insurance or simply visitor insurance.
- There are several facets to International travel insurance, focusing on different needs of the traveler.
- Some insurance plans focus on insuring the health of the traveller.
- Other plans insure the vacation itself, covering actual travel expenses such as:
- Airline ticketing
- Hotel reservation
- Cruise expenses
- There are US insurance companies with International travel insurance plans designed specifically for these different purposes.
This raises several questions like - Which plan to buy? Which insurance provider to trust? What type of plan best suits our needs
The vital factors on which are necessary to view, decide and purchase a plan are:
- Age of the traveler
- Age of any dependents or spouse accompanying the traveler
- Duration of time when the plan needs to be effective
- Maximum amount of coverage available
- Deductible and Co Insurance
- Residential status
- Any pre-existing conditions coverage
- All of the above factors filter the list of plans based on your requirements.
-
American Visitor Insurance provides a user-friendly resource that helps customers:
- Get Visitor Medical Insurance Resources
- View specific plan details
- Buy an insurance plan online "Fixed benefits and Comprehensive visitor insurance plans" The Visitor Insurance features best visitor insurance
-
There are two kinds of plans:
- Fixed Benefits Visitor Insurance Plans
- Comprehensive Visitor Insurance Plans
- You can compare between two specific plans using the You can compare between two specific plans using our compare travel insurance plan benefits
People also want to know how to use the insurance, including step-by-step guidance on the procedures to file claim, renew or cancel a policy, find out the doctors in the Preferred Provider Organisation (PPO) network of the insurance company.
To make this process easy, all these details — including the buying procedure, claim submission, and renewal instructions — are clearly explained in the visitor insurance customer care section. For additional support, our Visitor Insurance Visitor insurance - Frequently Asked Question section provides answers for customers with different needs based on the purpose of travel and specific needs.
Our Travel insurance forum section features real customer queries along with expert answers to those questions. All these resources help customers who are otherwise little informed about the insurance industry make the right decision while buying visitor travel insurance.
What Medical Benefits Are Included For USA Visitors?
- 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.
- Medical evacuation: Medical evacuation expenses to nearest facility included.
- Repat of remains: Repatriation of remains to home country included.
- Pre-existing conditions: Some plans insure acute onset of pre-existing conditions.
What Are the Types of USA Health Insurance for Visitors?
The types of US travel insurance plans are fixed benefit and comprehensive visitors insurance. Compare Comprehensive vs fixed benefit visitors insurance for USA.
| Feature | Fixed Benefit Visitor Insurance USA | Comprehensive Visitor Insurance USA |
| 💲 Cost | Affordable with lower premiums | More Expensive due to extensive coverage |
| 🛡️ Coverage | Fixed amount per benefit limited or coverage under certain conditions | Benefits for covered medical expenses up to the plan maximum |
| 📉 Deductibles | Usually higher deductibles for lower cost | Often lower deductibles, more coverage |
| 🌐 PPO network | Usually no PPO network participation | Offers PPO network access with discounted rates |
| 💳 Payment method | Usually requires you to pay upfront and then seek reimbursement from the insurer | Allows direct billing(cashless), so the insurer handles payments to the provider |
| ❤️ Pre-existing conditions coverage | Not all plans offer coverage. Some offer coverage up to a specified limit | Some plans offer coverage, while some others offer coverage only for acute onset of pre-existing conditions |
| 👥 Recommended for | Budget conscious travelers who only need basic coverage. | Travelers who want comprehensive coverage for any medical needs. |
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
Trawick International
$20 Per monthAge: 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
Venbrook Essential
Venbrook International
$25 Per monthAge: 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
- 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
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.
- 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
- 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
Safe Travels USA Comprehensive
Trawick International
$87 Per monthAge: 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
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.
| Plan name | Plan maximum | Age 35 | Age 55 | Age 75 |
|---|---|---|---|---|
| Atlas Essential America | $50,000 - $1,000,000 | $53 - $98 | $117 - $200 | $244 - $326 |
| Visitors Preferred | $50,000 - $1,000,000 | $53 - $99 | $123 -$231 | $244 |
| Patriot America Plus | $50,000 - $1,000,000 | $57 - $106 | $124 - $235 | $279 - $420 |
| Safe Travels USA | $50,000 - $1,000,000 | $57 - $103 | $123 - $227 | $244 - $321 |
| Venbrook Premier | $50,000 - $1,000,000 | $58 - $104 | $129 - $240 | $352 - $437 |
| Atlas America | $50,000 - $2,000,000 | $58 - $114 | $127 - $253 | $344 - $429 |
| Safe Travels USA Comprehensive | $50,000 - $1,000,000 | $66 - $122 | $143 - $269 | $285 - $455 |
| Atlas Premium America | $50,000 - $2,000,000 | $72 - $142 | $158 - $316 | $430 - $537 |
| SafeVista Comprehensive | $100,000 - $1,000,000 | $76 - $97 | $158 - $225 | $320 |
| Diplomat America | $50,000 - $1,000,000 | $81 - $142 | $176 - $303 | $342 |
| Travel Medical Choice | $50,000 - $1,000,000 | $98 - $173 | $186 - $333 | $736 - $1,000 |
| Patriot America Platinum | $1,000,000 - $8,000,000 | $108 - $226 | $240 - $494 | $604 |
| Visit USA Superior | $250,000 | $112 | $233 | $404 |
Source: American Visitor Insurance®
Get the Best Visitor Insurance Today!
Travel worry-free with the best visitor insurance from American Visitor Insurance. Compare top plans instantly and choose coverage that fits your needs and budget. Secure your policy today and stay protected abroad!
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.
US Visitor Insurance Reviews
Reviews, Ratings and Experiences from our customers
Shelie
"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."
Ralduran
"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."
Lori Fields
"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."
Resourceful Tourist Health Insurance USA Information
How to buy travel insurance?
Guide to buying the best international travel insurance for USA.
Learn More »Travel insurance for specific groups
Tourists, Cruises, Students, J1 visa, OPT status, Immigrants...
Learn More »Travel Insurance for USA FAQs
1. 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.
2. 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.
3. What does US travel insurance cover?
A standard US travel insurance plan offers protection for all unexpected travel and medical illness or injury during the trip. Trip cancellation insurance provides coverage for acute onset of pre-existing conditions, medical emergencies, trip cancellation, trip interruption, delays and medical evacuation, lost -damaged, or stolen of the luggage.
4. Can I still get travel insurance for the USA?
Yes, travelers can buy travel insurance if the traveler has already started a trip. However travelers should keep in mind that the cover is provided for any illness or injury that occurs after the inception of the policy
International Travel Health Insurance Useful Links
Buy international travel insurance USA
Know more »International travel insurance for different groups of travelers
Know more »Find the best travel health insurance
Know more »Buy cheap international travel insurance plan
Know more »Resourceful Travel Medical Insurance Information
Travel medical insurance resources
Choose international travel insurance resources for travel outside your home country.
Compare travel insurance factors
Important factors to consider while deciding on the best travel medical insurance.
Types of travel insurance online
Understanding different US travel insurance options, fixed benefits vs comprehensive coverage.
Travel insurance Claims Procedure
Travel medical insurance online claims process for getting medical care in a hospital.
