Types of visitor medical insurance plans in the US

Select the suitable category and click on "Continue" to view the available insurance options. Please scroll down this page to look at the explanation of each category.

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Explanation of the above categories

  • Visitors Insurance (Tourists): The coverage is designed for visitors, tourists and travelers coming to the USA, Canada or any foreign country for a short period stay.
  • Pre-existing coverage: There is limited coverage for persons with stable pre-existing conditions that will cover them in case of sudden emergency due to their pre-existing condition. Some illnesses and conditions are excluded and clients should ask a customer service representative or read the exclusions to the policies.
  • F1 Visa (International Student) Insurance: International students coming to the US on the F1 visa, as well as US or other international students traveling outside their home countries can buy these plans.
  • J1 visa Insurance: J visa holders and their dependents can buy our J visa plans. Review quotes and select a plan to buy online.
  • Schengen visa Insurance: The coverage can satisfy health insurance requirements mandated by the consulate for Schengen Visa.
  • US Green Card/Immigrant Insurance: New immigrants who have recently arrived in the USA and need health insurance coverage till they are eligible for domestic insurance can compare and buy these plans. Find the best eligible health insurance plans for green card holders, permanent residents and new immigrants
  • Long term Insurance: These plans offer long term global coverage.
  • Nanny Insurance: Nannies and au pairs who are non US citizens can buy this plan to get health insurance coverage while staying in the United States.
  • Maternity Coverage: If the visitor is not already pregnant and is planning to get pregnant then see some of the available options for them with maternity benefits.
  • Adventure Sports coverage: We have coverage available for adventure sports with most of our plans. Please click on this link to find out the coverage available for your sports activity.
  • Group Insurance: Insurance Quotes for group of travelers
  • Other US visas:  Review other US visa status for foreign nationals visiting USA
  • Missionary insurance: Insurance quotes for missionary
travel insurance for covid-19

Covid 19 travel insurance for coronavirus

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These are certainly scary times for international travelers with regular corporate travel being particularly vulnerable to the Covid pandemic. In this context it is important to buy the best annual travel insurance with Covid coverage. If you are an international traveler without health insurance or if it will run out soon, do consider buying an alternative annual travel insurance with coronavirus coverage. At American Visitor Insurance we are committed to getting you the most appropriate international travel insurance covid policy you need even under these difficult circumstances.
WorldTrips
WorldTrips Coronavirus annual travel insurance Atlas Multi trip offers coverage for unexpected medical expenses, including eligible expenses related to Covid19
  • Available for both US and Non US citizens up to 75 years
  • Maximum trip length is 30 or 45 days per trip
seven corners logo
Seven Corners annual multitrip covid19 insurance Wander Frequent Traveler Plus covers frequent international travelers and provides Covid19 annual travel insurance
  • Available for both US and Non US citizens up to 75 years
  • Maximum trip length is 30, 45, or 60 days per trip
Trawick
Trawick International Covid19 yearly travel insurance Safe Travel Basic/Deluxe/Executive Annual provides annual comprehensive travel medical coverage for COVID 19.
  • Available for US residents only up to age 81 years
  • Maximum trip length is 30 days per trip

What are the different types of international travel insurance?

International travel insurance can be categorized based on different aspects..
Coverage type:
Based on the coverage type, there are three main types of international travel insurance
  • Trip cancellation insurance which is designed to insure the expense of the vacation. It covers all pre-paid expenses for trip cancellation, trip interruption, trip delay, baggage loss, airline expenses, rental car coverage, hotel bookings, cruise bookings and any other trip related costs. This will also cover medical benefits like dental expense and other expenses that a travel medical insurance covers.
  • Travel medical insurance which is designed to insure the health of the vacationer. This is ideal for tourists and vacationers on a single trip travel insurance. The duration of trips extending from a few days to a few weeks or even a few months. These plans usually do not insure preventive care and have limited coverage for pre-existing conditions.
  • Global medical insurance which is designed to insure Global citizens or Expatriates and offers long term major medical insurance. These long term medical insurance are ideal for expats who will be living and working outside their home country for an extended period, could be even a couple of years. These plans need underwriting approval and usually cover preventive care also.
Trip insurance vs Travel health coverage vs Global medical insurance
Confused whether to buy trip, travel or global health insurance? Understand the differences!
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travel insurance
Types of short term travel medical insurance
Compare fixed benefits & comprehensive international travel insurance plans offered by US insurers.
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Visitors insurance - Frequently asked questions

Why is 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.

There are some best covid travel insurance that covers covid 19 as a new illness. International travelers can compare best Covid travel insurance and buy it online. These covid travel insurance plans are available for visitors, US citizens and US residents traveling abroad as well as non US travelers traveling outside their home country.
We get many inquiries about how the insurance works and if you must pay up front and submit a claim to get reimbursed or if the insurance company will directly pay the provider. This is an excellent question and one which many clients do not understand. Many US residents are used to showing our ID cards and having all the bills directly paid (albeit slowly) and then paying our portion some time later to the provider. Because the insurance companies that issue plans for visitors are much smaller than our domestic companies, many providers will say "We don't take this insurance." What that means is they do not want to call the insurance company and arrange direct payment for you. In that case, you can still use the provider, but you will have to pay up front and submit a claim to get reimbursed. Some clients take this message from the provider to mean their insurance is no good. Nothing could be farther from the truth. All the policies we offer can be used at any doctor or hospital you desire -- they are meant to be used in an emergency and the closest place may or may not be in the PPO network (if that is an issue). So, you don't have to worry about that. All that means is you will have a little more legwork on your end to get your reimbursement. The good news is the claims forms are all available on our website to download and they are very straightforward. You do not need to be a doctor to fill them out. Be sure you keep a copy of anything you send in for yourself and simply follow the directions on the claims form for the insurance policy you purchased. You should expect to get repaid within a couple weeks if they get all the documentation they need. Be sure, if you have a client zone login, to check on your claim from time to time to be sure you have done your part to move the process along. There is one company, called GeoBlue which works with a very large network that does claim to have "guaranteed" direct bill pay (IF you do use a BlueCross/BlueShield provider). I would personally take this with a grain of salt since nobody can make someone make a phone call if they are unwilling to do so. However, the network is very popular and extensive and may provide some reassurance to a traveler to the US. This company also has providers abroad in over 100 countries as well, but I do assume these are less numerous. Happy traveling!
The actual forms and instructions on filing a claim vary slightly by company. For certain, each company has a form (usually only one page front and back) to be filled out. The full instructions for submission of the form are on the form itself and all the forms can be downloaded from our website (for companies we work with). There can be two different forms for medical expenses and other expenses (baggage loss, etc), so check to make sure you have the correct form. If the provider will not set up a direct payment with the insurance company, you will have to pay for all bills out of your pocket. Keep all receipts and documents you are given. Fill out the claims form as instructed, make a copy of all documents for yourself and mail, fax, or email the document as instructed to the insurance company. If you have a login for your insurance policy, use that to check on the status of the claim to make sure they receive all the necessary documentation they require (careful reading of the instructions will help, but they may need something more from the provider which you may be able to expedite in person). Then, you simply have to be patient as the process unfolds. Those of us that are US residents know that this can take weeks with our own medical insurance as they work out their process. Some clients are shocked to get a bill in the mail soon after a stint in the hospital or at a doctor's office (even if they did get direct billing). Just hang on to the bill and give the insurance company at least two weeks before giving them a call. Do not pay anything until you have heard back from the insurance company. As we say, "chill and let it ride" until you get your insurance company to do their part!
Yes, international tourists can and should buy travel health insurance in USA. Given the high cost of US healthcare, it is very risky to travel without the best short term health insurance for UK visitors to USA. UK tourists can compare different travel health insurance online and then buy travel insurance for USA Visitors to get coverage as early as the following day.
The cost of UK travel health insurance for USA depends mainly on the following factors; The age of the traveler, the duration of travel health insurance coverage, type of travel insurance (fixed vs comprehensive coverage), any add on coverage requirements, or the need for health insurance for visitors to usa with pre-existing conditions.

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.

Resourceful visitor insurance links

Travel insurance with coverage for Covid19

Travel insurance for Covid-19
Visitors travel health insurance for Covid19

Visitor medical insurance for coronavirus for travelers outside their home country... Click here to read more

Coronavirus visitors medical insurance for international visitors to USA

Compare and buy the best US visitors insurance with Covid-19 coverage for travelers in USA... Click here to read more

Coronavirus international travel insurance (outside USA)

Compare quotes online for best international travel insurance with Coronavirus coverage... Click here to read more

International travel insurance for global destinations

International travel insurance for USA

Travel insurance for USA
  • J visa insurance for US Exchange scholars and their dependents (J1 visa insurance and J2 visa insurance)
  • Snowbirds travel insurance for USA travelers from Canada and the UK (for warmer USA weather during winter)

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