Reliable US Travel Insurance, Best Travel insurance USA for visitors to USA

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

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Reliable travel insurance for USA

Finding Reliable travel insurance for the USA depends on travelers’ needs, travel plans, and budget. Travelers need to do a research on different travel insurance providers that offer coverage for trips to the USA. Important options have to be considered while choosing coverage for medical emergencies, trip cancellation/interruption, baggage loss/delay, and emergency evacuation. Compare the best travel insurance for us visitors coverage, limits, exclusions, and prices of different insurance plans. Before purchasing a travel insurance policy, review the policy details, including the fine print. If you want coverage for pre-existing medical conditions, make sure the travel insurance policy covers them adequately. Some policies may offer coverage for pre-existing conditions as long as certain criteria are met. If you're unsure about which travel insurance policy to choose, consider consulting with American Visitors Insurance who can help you find best health insurance for visitors to USA.

01.  Will best visitors insurance for USA cover everything?

Best health insurance for US visitors vary widely, and while they provide coverage for many situations, it's important to understand that no travel insurance plan covers everything. Medical Insurance for US visitors insurance typically include a set of benefits, exclusions, and limitations, and it's essential to carefully read the policy terms and conditions to understand what is covered and what is not.

Common Inclusions in best travel insurance for USA visitors:

  • Trip Cancellation/Interruption: Coverage for non-refundable trip expenses if the trip is canceled or interrupted for covered reasons such as illness, injury, or unforeseen events.
  • Emergency Medical Expenses: Coverage for medical expenses incurred due to illness or injury during the trip.
  • Travel Delay: Reimbursement for additional expenses incurred due to travel delays.
  • Lost or Delayed Baggage: Coverage for lost, stolen, or delayed baggage and personal belongings.
  • Emergency Evacuation: Coverage for the cost of emergency evacuation to the nearest adequate medical facility.

Common Exclusions in best travel insurance for visitors to USA:

  • Pre-existing Conditions: Many policies exclude coverage for pre-existing medical conditions unless specified otherwise.
  • High-Risk Activities: Some policies may not cover injuries or incidents related to high-risk activities such as extreme sports or certain adventure activities.
  • Unforeseen Circumstances: Some policies have specific criteria for what is considered an "unforeseen circumstance" leading to trip cancellation or interruption.
  • War and Terrorism: Acts of war or terrorism may be excluded from coverage in some policies.
  • Intentional Acts: Injuries or damages resulting from intentional or reckless behavior may not be covered.
  • Losses Due to Alcohol or Drug Use: Incidents related to the use of alcohol or illegal drugs may not be covered.

02.  When to buy best health insurance for visitors to USA?

The optimal time to buy Reliable medical insurance for visitors to USA depends on various factors, including the type of coverage you need, the nature of your trip, and the specific terms of the insurance policy. Buying best insurance for visitors to USA early, shortly after booking your trip, is advisable. This ensures that you have coverage for unforeseen events that might occur before your departure. Early purchase may also provide coverage for trip cancellation or interruption due to covered reasons.

If you have pre-existing medical conditions that you want coverage for, purchasing travel insurance early is important. Some policies have waiting periods or exclusions for pre-existing conditions, and coverage is often more comprehensive when purchased early. The optimal time to purchase travel insurance can vary based on the provider and the specific policy terms.

What are some Reliable trustworthy travel insurance plans

There are always bad reviews to read (some of them are quite scary) about insurance companies. Some people may read these and feel there is no point to getting health insurance for a trip. I hope you do not fall into this category; the fact you are reading our website suggests you are at least interested in making such a purchase.

There are many problems with online reviews. There is no way to

travel Health insurance
know if they are real complaints or just trolling. Most reviews I have read either don’t give enough details to determine my opinion on the person’s situation or show that the person who took out the policy did not understand the policy they purchased. Visitor insurance plans are for sudden illness and accident only; that is, they are for unexpected medical situations.

You cannot purchase international travel insurance to cover the birth of your child when you come to the US or some cosmetic surgery you would like to have or, even, very necessary and important dialysis while you are visiting that you may require every two weeks. While it seems obvious visitors insurance will not pay for non-necessary medical surgery, we get many questions about the other two situations.

We would like to assure you that all the companies we, at American Visitor Insurance, work with have paid out hundreds of thousands of dollars in claims for their clients, so we feel they are Reliable and trustworthy.

Furthermore, you do not have to take our word for it, you can also use the AM Best rating for these companies to see how they shape up (this includes financial solvency, not just customer approval). We do have our own contact with these companies and stand ready to help you should the need arise to figure out what do to, how to file a claim, and why a claim was denied.

What does visitor travel insurance cover?

Health care expenses

Covers hospital expenses for sickness or accidents.

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Doctor visit

Insures Doctor visits for sudden injury or sickness.

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Pharmacy drugs

Doctor prescribed eligible pharmacy drugs expenses.

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Pre-existing conditions

Some plans insure acute onset of pre-existing conditions.
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Medical evacuation

Medical evacuation expenses to nearest facility included.
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Repat of remains

Repatriation of remains to home country included.

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Testimonials - From Our Customers

I had a no-problem trip but Seven corners was easy to deal with in the securing of the travel insurance and dealing with a few issues prior to departure.


I have always gotten a quick response with a live person. I placed a claim, we will see it their payment to me is as good as their customer service is.


Good policy options and pricing. Like to purchase high coverage for medical without covering full cost of trips - like the options Seven Corners provides.


american visitor insurance

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  • 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 69 years.
  • Policy Maximum#1
  • Deductible#2
  • 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


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.

Reliable US 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.  Why is the best travel insurance to USA so expensive?

There is no denying that travel insurance to USA is sadly very expensive. The main reason for this is simply because the cost of healthcare in the USA is very expensive and the travel insurance USA costs are directly related to the healthcare costs.

One more factor for some USA travel insurance plans to be very expensive is that there are specially designed travel insurance USA plans available for older travelers, with higher medical coverage as well as some plans with coverage for pre-existing ailments.

04.  How to buy travel insurance? How to find the best international travel health insurance?

There are many international travel health insurance plans for coverage both in the USA as well as around the world offered by US insurance providers. Given the several travel insurance international options, it can be confusing to find the best health insurance for international travel for your needs.

What is very useful in making this decision is to compare travel insurance USA of different companies. The travel insurance comparison allows travelers compare travel insurance prices as well as coverage benefits in an objective manner.

The traveler can change relevant factors like the medical maximum coverage required, the international traveler insurance deductible, any international travel health insurance plans with coverage for pre-existing ailments, travel insurance international coverage for Covid19.

The international 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 buying the travel insurance, all the plan documents are emailed to the customer.

Factors to buy best travel medical insurance USA

Important definitions Advantages Disadvantages Travel insurance Plans
Travel health insurance USA plans
Fixed benefit US travel insurance: These plans have specific benefit limits for different medical expenses. These limits are not the same as the plan medical maximum. These plans do not have any sub-limits to get visitor coverage for specific medical conditions. This is the cheapest travel insurance but with basic coverage. These plans have a restricted visitor coverage, and is limited to specific ailments or illness. Visitors Care| Travel Medical USA Visitor Choice | Travel Medical USA Visitor Basic | Visitors Secure | Safe Travels Elite | INF Premier Plan Insurance | INF Premier Plus Insurance
Comprehensive travel insurance USA: These plans do not have benefit limits based on the type of medical expense. Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance) Cost depends mainly on age of traveler. Comprehensive travel insurance paying up to the policy maximum More Expensive than fixed benefits Atlas America | Patriot America Lite | Patriot America Plus | Patriot Platinum | Travel Medical Basic | WorldMed | Diplomat America | Safe Travels USA | Safe Travels USA Comprehensive | INF Elite Plan Insurance | INF Elite Plus Insurance | Travel Medical Choice
Pre-existing conditions coverage
Acute Onset of a Pre-Existing Condition If the insured person is diagnosed with a disease or medical condition, this visitors coverage is very important. Most expensive for full pre-existing conditions coverage, and cheapest where pre-existing conditions is not covered at all. Patriot America plus, Safe travels USA comprehensive, Atlas America, Visit USA, Visitorscare, Patriot Platinum, Travel Medical Basic, Travel Medical Choice, Travel Medical USA visitor USA Basic and Travel Medical USA visitor USA Choice.
Full Pre-existing Conditions
INF Elite, Premier, Elite Plus, Premier Plus, Elite 90
Travelers can renew their existing policy online. Extension of insurance policy should be done before the expiry date. Visitors need to stay on the same policy without break in coverage Some plans are not renewable. Here a new policy should be purchased and existing ailments are considered pre-existing and may not be covered. Visit USA plan cannot be renewed
Patriot America plus can be renewed up to 2 years.
A.M Rating evaluates the financial stability and reliability of the insurance company.
- - We show the AM rating of our insurance companies in our travel insurance compare engine.
Benefit Period
The greater the benefit period the better the coverage. - - Some plans have clearly defined benefit period.
Deductible is what the customer pays before the insurer pays anything. - - Patriot travel plans offers deductible options from 0 to $2500.
Co-insurance is the what the customer should pay for any given expense after paying the deductible. The Co-insurance is typically a percentage of the bill (20%, 25 % etc…) - - Patriot travel plans offers coinsurance options usually:
In Network: The plan pays 100%
Out of Network: The plan pays 80% of eligible expenses up to $5k, then 100% up to the Maximum Limit.
Provider Network
A Provider network (PPO) is a network of participating providers like hospitals and doctors, that are affiliated with the insurance company. Most insurance plans have nationwide PPO network. The billing by hospitals is lower within a PPO network. PPO also offer more services like vision, dental or prescription drugs when compared to Non PPO plans. PPO network might not be in the hospital which you would like to visit United Health care PPO network, First health care network
Some US visitors need medical insurance for maternity. A few visitors insurance plans and some student medical insurance plans offer limited coverage for maternity. This covers complications of pregnancy and new born care. Some plans cover new born care up to 31 days only Visitor plans:
Atlas America, Safe Travels USA, Safe Travels USA comprehensive, INF Elite, INF premier, INF traveler USA, INF Standard
Adventure sports
Some travel medical insurance plans offer adventure sports coverage for activities such as bungee jumping, skydiving, or wildlife safaris These plans involve a high level of risk these can be covered - Safe Treker, Patriot travel plans with optional riders, Diplomat America
Different type of Visas with some specific insurance requirements
J1 visa holders need insurance according to US authority requirements. F1 visa holders are usually mandated by Universities to have students insurance. Schengen visa insurance is needed while applying for Schengen visa. In the USA and other countries health care is very expensive and hence visa health insurance is mandatory. You need to select a policy that aligns with the intended length of your stay if not you need to extended the policy or need to buy new policy. J1 visa, F1 and F2 visa, Schengen visa, K1 visa and US immigrant visa etc.

J visa: Patriot America Plus, Atlas America

US citizens traveling outside USA
Travel Medical Insurance Focus on the health of the traveler No coverage for the vacation related expenses. Travel Medical Insurance plans:
Patriot International Lite, Safe travels international, Worldmed outbound, Intermedical, Travel Medical Choice, Patriot Platinum

Trip cancellation insurance Designed to cover the entire cost of the trip Coverage also vacation related expenses. Higher cost than travel medical insurance. Trip cancellation insurance plans:
Travel Lite, Travel SE, Travel LX, Trip Protection Elite , Trip Protection Economy , Safe Travels Voyager, Safe Travels Single Trip, Safe Travels Explorer, Safe Travels Explorer Plus, Safe Travels Journey, Travel Insurance Select Plan, Trip Protector Insurance.
Coverage types
Per period of coverage Amount of benefit applies to claims throughout policy period - Patriot America Plus
Per injury Benefit amount applies to individual sickness or injury. - Safe travels USA
Coverage regions
Including USA These plan provide coverage in USA - Including USA Plans:
Patriot America plus, Safe travels USA comprehensive, Atlas America, Visit USA, Visitorscare, Patriot Platinum, Travel Medical USA visitor USA Basic and Travel Medical USA visitor USA Choice.
Excluding USA Coverage extends outside the USA - Excluding USA Plans:
Patriot International Lite, Safe travels international, Worldmed outbound, Intermedical, Travel Medical Choice, Patriot Platinum
Including USA, Canada and Mexico Coverage is in USA, Canada and Mexico - Including USA, Canada and Mexico:
Visitors Protect
Coverage duration
Longer duration for Expatriates Plans purchased for longer duration are little expensive - IMG Global Medical Insurance are long term plans, Trekker Choice Insurance and Trekker Essential Insurance.
Shorter duration for vacationers (travel health insurance and trip cancellation plans) Plans purchased for shorter duration are cheaper - Atlas America, Visit USA,Safe travels USA comprehensive

Select the visitor insurance in USA plans that you want to compare

F Fixed Benefits Plans
C Comprehensive Plans

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.

Travel tips for international travelers

Travel tips for international travelers – safety, comfort and wellness.

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Travel Insurance for the USA, Visitor insurance for USA

Travel insurance for USA resources
International travel insurance resources for USA visa holders.

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Factors for Travel Insurance
Important factors while deciding on the best travel insurance to USA.

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Types of USA travel insurance online
Understanding different types of USA visa travel insurance options.

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

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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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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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