Factors to consider when purchasing visitor insurance

Compare and buy US travel insurance

Age & Citizenship
Start date
End date

What does visitor travel insurance cover?

medical expensesHealth care expenses
Covers hospital expenses for sickness or accidents.
doctor visitDoctor visit
Insures Doctor visits for sudden injury or sickness.
pharmacy drugsPharmacy drugs
Doctor prescribed eligible pharmacy drugs expenses.
pre-ex conditionPre-existing conditions
Some plans insure acute onset of pre-existing conditions.
medical evacuation Medical evacuation
Medical evacuation expenses to nearest facility included.
repatriation of remains Repat of remains
Repatriation of remains to home country included.

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Factors to buy best travel medical insurance USA

Important definitions Advantages Disadvantages Travel insurance Plans
Travel health insurance USA plans
Fixed benefit travel insurance USA: Fixed benefits plans have specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum. Fixed benefit plans have do not have any sub-limits to get visitor coverage for specific medical conditions. Fixed benefit Insurance is cheapest travel insurance 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 Standard 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 traveler USA Insurance | INF Elite Plus Insurance | INF Elite 90 Insurance | INF Traveler USA 90 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. Cost is most expensive for full pre-existing conditions coverage, and least expensive 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
Insurance customers can renew their existing policy by completing an online application. 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 cannot be renewed. This means you need buy new policy and any existing ailments will be 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 is one way of evaluating the financial stability and reliability of the insurance company.
- - We display the AM rating of our insurance companies in our travel insurance compare engine display.
Benefit Period
The longer the benefit period the better the coverage. Some plans limit the time duration that the plan will pay. - - Some plans have clearly defined benefit period.
Deductible is the amount that customer pays for the incurred expense before insurer pays. - - Patriot travel plans offers deductible options from 0 to $2500.
The Co-insurance refers to the amount that the customer should pay for any given medical expense. This amount is due after the deductible amount is paid which is also the customers responsibility. 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 PPO network is a type of health plan that contracts with medical providers, such as hospitals and doctors, to create a network of participating providers. Most insurance plans have nationwide preferred provider network. The medical costs billed by hospitals is lower in a Provider network (PPO) network. Provider network also have access to more services such as vision, dental, or prescription drugs than other plans PPO network might not be in the hospital which you would like to visit United Health care PPO network, First health care network
Many visitors to the US may need international medical insurance for pregnancy coverage. There are a few visitor plans and some student medical insurance plans which work for potential mothers. 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
Adventure sports is a coverage for travel medical insurance that covers certain adventure sports 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 to have insurance according to clearly defined requirements. F1 visa holders are usually mandated by the Universities to have insurance. Schengen visa insurance is needed for 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 Higher cost than travel medical insurance plans 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 available for the vacation related expenses Higher cost than travel medical insurance plans Trip cancellation insurance plans:
Travel Lite, Travel SE, Travel LX, Trip Protection Basic, Trip Protection Choice, 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 Amount of benefits applies to each 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 These plan provide coverage 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 These plan provide coverage 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

US visitor travel insurance - FAQ's

What factors to consider when choosing visitors insurance?

When choosing visitor travel insurance, there are several factors that you should consider, including:

  • Medical coverage: The main factor to consider is the type of visitors insurance coverage you need. Are you looking for comprehensive travel insurance which is more expensive or fixed benefits travel insurance
  • Premium: The premium is the cost of the travel insurance.
  • Deductible: The deductible is the amount you have to pay before your insurance coverage kicks in. You should choose a deductible that you can afford to pay out-of-pocket in case of an emergency.
  • Network: If you are buying travel health insurance, you should consider the network of providers that are covered by the plan. You want to make sure that your preferred healthcare providers are in-network so that you can get the care you need.
  • Financial stability: You want to choose an insurance company that is financially stable and has a good reputation. You can check the financial ratings of insurers through independent rating agencies like A.M. Best. These ratings are available on American Visitor Insurance travel insurance comparison tool.

By considering these factors, you can make an informed decision when choosing visitors travel insurance and ensure that you are getting the coverage you need at a price you can afford. Travelers should compare different US travel insurance plans, benefits and cost options from popular US travel insurance companies on American Visitor Insurance to find the best fit for their specific needs.

What is most important in travel insurance?

The most important factor in travel insurance is the medical coverage. Traveling to a new country exposes you to different environmental and health conditions, and there is always a risk of getting sick or injured. Medical coverage ensures that you can get the necessary medical treatment in case of an emergency.

When choosing travel insurance, you should make sure that the policy covers emergency medical expenses, including hospitalization, surgery, and medical evacuation. You should also consider the coverage limits and whether pre-existing conditions are covered. Other important things to consider in travel insurance include trip cancellation and interruption coverage, baggage loss or delay coverage, and emergency travel assistance.

However, medical coverage should be the top priority when choosing travel insurance, as it can potentially save you thousands of dollars in medical expenses in case of an emergency. Travelers should compare the best US travel insurance plans, costs, benefits and coverage options on American Visitor Insurance to find the best fit for their specific needs.

What is usually covered by travel insurance?

Travel insurance typically covers a range of unexpected events and expenses that can occur before or during a trip. The specific coverage and limits may vary depending on the policy and the insurance provider, but here are some of the common things that are usually covered by travel insurance:

  • Medical expenses: This coverage pays for medical expenses if you get sick or injured while traveling, including hospitalization, emergency medical evacuation, and repatriation of remains.
  • Emergency medical evacuation: This coverage pays for transportation to the nearest adequate medical facility or back home if you require emergency medical treatment.
  • Trip cancellation or interruption: This coverage reimburses you for non-refundable expenses if you have to cancel or interrupt your trip due to a covered reason, such as illness, injury, or a natural disaster.
  • Baggage loss or delay: This coverage reimburses you for the cost of replacing your baggage if it is lost or delayed by the airline or other carrier.
  • Flight or travel accident: This coverage pays a benefit in case of accidental death or dismemberment during a flight or other covered travel.
  • Rental car damage: This coverage pays for damage to a rental car, so you don't have to pay for it out of pocket.
  • Travel delay: This coverage pays for additional expenses, such as lodging and meals, if you experience a significant travel delay due to a covered reason.
  • 24/7 assistance: Many travel insurance policies offer 24/7 assistance services, including emergency medical assistance, travel information, and concierge services.

It is important to note that the coverage and limits of travel insurance will vary depending on the policy and the insurance provider. It is important to carefully review the policy and understand the terms and conditions before purchasing travel insurance.

Factors to buy travel insurance

The visitors insurance compare tool is intuitive and easy to use. The US travel insurance plans are specially designed for international travelers based on their unique needs. There are plans that cover Covid19 as well as health insurance for visitors with pre-existing conditions. Several travel insurance options by different providers can be reviewed at one time. Several factors determine the cost of travel insurance.

Different travelers have different needs, while some are looking for the most affordable prices, others are looking for comprehensive coverage even if it is more expensive. Some travelers are looking for the maximum medical coverage, and some for specific options such as coverage for adventure sports, or coverage for acute onset of pre-existing conditions. Travelers should review the different travel insurance pricing factors, plan benefits and exclusions so as to make an informed decision.


4. Exclusions

Most insurance policies exclude coverage for certain conditions. Read the list of exclusions carefully.

Benefit Period

6. Benefit Period

The longer the benefit period the better the coverage. Some plans limit the time duration that the plan will pay.

How much does US travel Insurance cost ?

There is no single price for all US travel insurance plans as the price of US travel health insurance varies depending on factors like the age of the traveler (the older the traveler, the higher the cost), the medical maximum coverage (greater coverage is more expensive), the co-insurance and deductible for the plan, the type of travel insurance (Fixed vs comprehensive travel insurance), and the coverage if any for pre-existing conditions. For a typical traveler, there are cheap travel insurance plans at less than a dollar a day. In general the cost of US travelers insurance starts from as low as $15 per month and can go up to $200 per month. Understandably, the more expensive the travel insurance, the more comprehensive will be the travel insurance coverage.

Cost of best Visitor Medical insurance USA plans

For eg. Age - 40 years, Duration - 1 Month, Deductible - 0
Providers Travel Insurance Plans Medical limit ranges Estimate Plan Cost+
International Medical Group (IMG) Patriot America Lite $50,000 - $1,000,000 $90 - $165?
Patriot America Plus $50,000 - $1,000,000 $90 - $165?
Patriot America Platinum $2,000,000 - $8,000,000 $180 - $310?
Visitors CareFixed benefit $25,000 - $1,00,000 $30 - $50?
Trawick International Safe Travels USA - Cost Saver $50,000 - $1,000,000 $70 - $120?
Safe Travels USA $50,000 - $1,000,000 $90 - $160?
Safe Travels USA Comprehensive $50,000 - $1,000,000 $90 - $160?
Safe Travels EliteFixed benefit $50,000 - $175,00 $40 - $60?
WorldTrips Atlas America $50,000 - $2,000,000 $110 - $230?
Atlas Premium America $50,000 - $2,000,000 $190 - $330?
VisitorSecureFixed benefit $50,000 - $130,000 $40 - $80?
Seven Corners Travel Medical Basic $50,000 - $1,000,000 $110 - $180?
Travel Medical Choice $50,000 - $1,000,000 $120 - $230?
Travel Medical Plus $50,000 - $1,000,000 $160 - $290?
Inbound USA BasicFixed benefit $50,000 - $150,000 $55 - $70?
Inbound USA ChoiceFixed benefit $50,000 - $150,000 $80 - $100?
Global Underwriter Diplomat America $50,000 - $1,000,000 $130 - $220?
Travel Insure Visit USAFixed benefit $50,000 - $250,000 $50 - $190?

Why is travel insurance to USA so expensive?

There is no denying that travel insurance to USA is sadly very costly. 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.

USA Travel Insurance

How to buy visitors insurance ? How to find the best visitor health insurance ?

There are many visitor health insurance plans for coverage in the USA offered by US insurance providers. Given the several US visitor insurance options, it can be confusing to find the best health insurance for travel to USA for your needs. What is very useful in making this decision is to compare travel insurance USA of different companies. The US travel insurance comparison allows travelers compare prices as well as coverage benefits in an objective manner.

The traveler can change relevant factors like the medical maximum coverage required, the US traveler insurance deductible, any US travel health insurance plans with coverage for pre-existing ailments, travel insurance USA coverage for Covid19 ... The global 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 completing the purchase the travel insurance plan is emailed to the customer.

USA travel insurance coverage highlights

What does Travel Medical Insurance cover? What is travel Insurance USA?

Some of the other important travel health insurance for USA benefits are listed below. Travelers can compare visitor travel insurance to review specific coverage details offered by the different companies and insurance plans.

Medical coverage for accidents and emergency medical ailments

The high cost of healthcare in the US makes it imperative for travelers to have good travel health insurance while traveling outside ones home country. The best travel insurance medical maximum coverage varies based on the travel insurance plan chosen, however travelers have the option of getting coverage up to $1,000,000. The available medical maximum coverage however decreases for travelers over 70 years.

Doctors visit

This allows travelers to visit Doctors for sudden unanticipated medical ailments (continuing treatment for pre-existing ailments and preventive care are not covered). The Co-pay and deductible will vary depending on the travel insurance plan chosen, travelers do have the option of No Co-pay and $0 deductible.

Pharmacy drugs

Doctor prescribed eligible pharmacy drugs are covered up to $50,000, but this varies from plan to plan.


Emergency surgery treatment will be covered. The maximum available amount for surgery is typically $50,000, but this varies from plan to plan.

Medical Evacuation

The best travel insurance provides coverage for medical evacuation up to $1,000,000 if the traveler has to be evacuated to get access to proper medical treatment in the event of a medical emergency.

Repatriation of remains

The repatriation of remains benefit pays for the repatriation expenses back to the home country in the event of death of the traveler for any reason. While this depends on the travel insurance plan chosen, one can get repatriation coverage up to $50,000.

Emergency dental coverage

Emergency dental coverage up to $300 is available for acute onset of pain to natural teeth. Given all these benefits, it is important that international travelers buy the best travel insurance given the relative low cost of travel insurance when compared to the cost of healthcare. This is particularly important for Seniors citizens, as older travelers are most vulnerable and likely to need the benefits offered by the best USA travel insurance plans.

Steps to buy
US visitor travel insurance online

 Step 1: Finding the available US travel insurance plans

Complete the travel insurance quote request form by providing details of the traveller and insurance requirements.

Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.

Purchase the plan that fits your needs and budget best by using a credit card and completing the online application.

Review the travel insurance documents received by email closely for coverage details and relevant contact numbers

Step by step travel insurance

Different types of US Visitors insurance

Fixed Benefit travel insurance

A fixed benefit travel insurance plan is the cheapest travel insurance plan option. Fixed benefit travel insurance is cheap because it has a fixed limit of coverage for different medical benefits.
Fixed benefit travel insurance plans work well in case of small ailments but can be inadequate in the event of a serious medical ailment or hospitalisation.

Comprehensive travel insurance

Comprehensive travel insurance plans provide exhaustive coverage for health expenses up to the policy medical maximum amount. In contrast to fixed benefit plans there are no limits for each benefit. Comprehensive insurance is more expensive when compared to fixed benefit plans but provides significantly better coverage in case of a medical emergency or hospitalisation.

USA visa health insurance, Visitor visa health insurance USA

B1 visa insurance

USA B1 visa health Insurance, B1 visa travel insurance for tourists.

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B2 visa insurance

B2 visa health insurance for tourists, B2 visa tourist insurance for USA.

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F2 visa insurance

F2 visa medical insurance for F1 visa dependents, F2 visa health insurance.

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F1 visa insurance

F1 visa student health insurance, International student insurance in USA.

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J1 visa insurance

J1 visa insurance for exchange scholars, J1 visa medical insurance.

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Green card insurance

Health insurance for green card holders, Green card health insurance.

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K1 visa insurance

Fiancée health insurance, K1 visa health insurance for fiancé on K1 visa.

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H1B visa insurance

H1B visa health insurance, Travel health insurance for H1B visa holders.

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Travel health insurance USA

Travel insurance for tourists in USA, tourist insurance USA.

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H4 visa insurance

H4 visa health insurance, Health insurance H4 visa holders.

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AVI customer service

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Visitor medical insurance blogs and articles

Compare best medical insurance USA online

Compare travel medical insurance quotes for best travel insurance for USA....

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Comparison of best tourist medical insurance

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Comparing insurance for visitors in USA

Comparing Visitor insurance to find the best plan for your needs...

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Factors for travel insurance

What are the important factors to consider while buying International travel insurance?.

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Travel insurance for foreigners in USA

Even as the threat of Covid has diminished across the globe, international travel conditions in general remains fluid. Given the pandemic, the Israel-Hamas war, the Russia-Ukraine war, extreme weather related disruptions across the globe and staffing disruptions in different airports, international travelers are understandably more concerned about safety while traveling. There is now an increased demand to buy the best travel medical insurance.

Travel Insurance with covid coverage for visiting USA

To protect the trip it is advisable to get travel medical insurance with wide benefits like, trip cancellation, cancel for any reason, quarantine coverage, travel delay or interruption, baggage or personal belongings loss, emergency medical evacuation and repatriation etc...

At American visitor insurance travelers can choose from a wide range of choices that cater to different travel and medical needs. Travelers can compare and add on benefits according to their specific requirement. Feel free to give us a call or email us and one of our customer support licensed agents will be able to help you.

Cheap travel insurance for USA with Covid coverage

Trawick International insurance

Trawick International offers visitor medical insurance with their Safe Travels USA Insurance. The Safe Travels USA Comprehensive plan is ideal for travelers with pre-existing medical conditions even for travelers older than 70 years. Travelers can compare Safe Travels USA travel insurance and buy it online to get coverage as early as the following day.

Global Underwriters US visitor insurance

Diplomat America travel insurance by Global Underwriters is available for Non-US citizens or residents traveling to the US. Diplomat Long term travel medical insurance must be bought for a minimum of 3 months and has a plan maximum options of $500,000 and $1,000,000 for medical expenses. You can compare Diplomat insurance for visitors to USA.

Seven Corners visitors medical insurance

Travel Medical Choice Insurance offered by Seven Corners provides health insurance treatment for international travelers.

Please know we are here to help you make the best, informed decision to get travel medical insurance coverage! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

Countries that need travel insurance

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Annual multi trip Covid travel insurance coverage

These are certainly uncertain times for international travelers with corporate travel being particularly vulnerable to the pandemic, the Israel-Hamas war, Ukraine war, extreme weather related disruptions, labor shortages in airlines and airports in Europe and the rising Geo-political tension in Asia. Even though international travelers are allowed to the US without any restriction, overseas travel risks still remain.It is hence very important to buy the best annual travel insurance with Covid coverage. At American Visitor Insurance we are committed to getting you the most appropriate international annual travel insurance you need even under these difficult circumstances.

Annual multi-trip travel insurance - Available Plans

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 medical insurance for visitors to global destinations

US health insurance for visitors to USA

American flag insurance

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!