Visitors insurance, Health insurance for visitors to USA

Buy the best visitors health insurance

1. Traveler's age
        
No. of dependents (< 18 years)
2. Travel date
Start date 
End date     months days
3. Coverage region
4. Citizenship
    
5. Residence
 
8. How long has the visitor been in USA?

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

F Fixed Benefits Plans
C Comprehensive Plans

Visitor insurance USA

Traveling to the USA can be a wonderful experience whether it is on a business trip or visiting family or for a nice vacation. To add to this experience, it is important to take care of our needs when we travel outside the country. One of the important requirements is the Travel Insurance for visitors in the USA. Health Insurance for tourists in USA or for visitors in the USA is important as healthcare in the US is expensive and carrying insurance will provide coverage for medical emergencies while in the USA.

Domestic health insurance from foreign countries might not provide enough coverage in the US and it is always good to have visitor medical insurance while in the US. Insurance for visitors in USA saves the cost of hospital bills for the visitor in case of any unforeseen medical emergencies. At American Visitor Insurance, we offer the best US tourist insurance plans for all ages and Visas including for US Green card holders (permanent residents), US citizens living abroad and visiting the US as well as US travelers going abroad.

How much does health insurance USA for foreigners cost?

The cost of best travel insurance for visitors to USA varies based on several factors such as the age of the visitor, medical maximum coverage, deductible for the plan, coverage type (Fixed vs comprehensive coverage), and the cost of coverage for pre-existing conditions. For an average traveler, there are cheap travel insurance plans at less than a dollar a day.

What is the best travel insurance for USA?

Average cost of medical insurance for travelers to USA
  • Patriot America Lite Insurance Comprehensive plan

    Coverage range

    $50,000 - $1,000,000

    Price range
    $95 - $177
    • Ideal for Non US citizens outside their home country.
    • $10,000 coverage per certificate period for travelers aged 80 years and above.
    • Available for US citizens living outside USA but visiting the US.
    • Patriot America Lite visitor visa insurance can be extended for a minimum of 5 days up to a 12 months period, until reaching a maximum of 24 continuous months.
    Plan details Brochures

    Patriot America Plus Insurance Comprehensive plan

    Coverage range

    $50,000 - $1,000,000

    Price range
    $96 - $177
    • Offers comprehensive medical insurance for non US citizens traveling individually or in groups to the USA.
    • Purchase for a minimum of 5 days up to 364 days and can be renewed for maximum 2 years.
    • Covers acute onset of pre-existing conditions till maximum limit up to 70 years.
    • The plan offers a benefit of copays of $25 for urgent care centers and $15 for walk-in clinics which are paid INSTEAD of the deductible each time these facilities are used (when the $0 deductible is selected.)
    • This also offers optional riders provide additional coverage for a minimal charge.
    Plan details Brochures

    Patriot Platinum Insurance Comprehensive plan

    Coverage range

    $2,000,000 - $8,000,000

    Price range
    $215 - $362
    • Ideal for US citizens and Non US citizens.
    • $20,000 coverage per certificate period.
    • Plan covers acute onset of pre existing condition up to the age of 70 for up to $1,000,000.
    • Patriot Platinum America can be used by green card holders as long as they maintain a residence outside the US.

    Visitors Protect Insurance Comprehensive plan

    Coverage range

    $50,000 - $2,50,000

    Price range
    $496 - $744
    • Availble for visitors traveling from their home country to the U.S., Canada, and Mexico.
    • The plan offers temporary medical coverage with pre-existing conditions up to 99 years.
    • Care Clix consultation is a new benefit under this plan where you can get access to a doctor by different means like a video chat , mobile app, phone... and consult about non emergency issues.
    • Minimum purchase is 90 days.

    Visitors Care Insurance Fixed Benefit plan

    Coverage range

    $25,000 - $1,00,000

    Price range
    $25 - $54
    • It is an affordable plan for visitors visiting the US. It is a fixed benefit insurance plan.
    • This plan covers Acute onset of pre existing condition up to the age of 70 for a maximum starting from $25,000 up to $100,000 depending on the selected policy maximum.
    • This plan is renewable for a maximum of 2 years unless there is a break in the coverage.
  • Safe Travels USA - Cost Saver Insurance Comprehensive plan

    Coverage range

    $50,000 - $1,000,000

    Price range
    $85 - $141
    • Available for non U.S. residents and non U.S. citizens, traveling to the USA.
    • Coverage may be extended, at the rates in force at the time of extension, for up to 364 days.
    • The policy provides policy maximum options starting from $50,000 and provides coverage for $100,000, $250,000, $500,000, and $1,000,000
    • This plan is available for green card holders.

    Safe Travels USA Insurance Comprehensive plan

    Coverage range

    $50,000 - $1,000,000

    Price range
    $95 - $175
    • Cheap travel medical insurance plan that covers Non-US Citizens and Non-US Residents while visiting the USA
    • It offers comprehensive coverage for illness and accident and offer a Well Doctor Visit which pays up to $125.
    • Covers Unexpected Recurrence of a Pre-Existing Condition up to 89 years.
    • This plan is available for green card holders.

    Safe Travels USA Comprehensive Insurance Comprehensive plan

    Coverage range

    $50,000 - $1,000,000

    Price range
    $96 - $176
    • Offers excellent medical coverage for Non-US Citizens and Non-US Residents while visiting the USA
    • Covers Acute onset of pre-existing conditions up to 69 years the limit is up to the medical maximum and for any coverage related to cardiac disease, coverage is limited to $25,000.
    • This plan is available for green card holders.

    Safe Travels Elite Insurance Fixed benefit plan

    Coverage range

    $25,000 - $175,000

    Price range
    $24 - $68
    • Available for non U.S. residents and non U.S. citizens, traveling to the USA
    • Covers Acute onset of pre-existing conditions up to 89 years.
    • This plan is available for green card holders.
    • Coverage for minimum 5 days to maximum up to 364 days
  • Atlas America Insurance Comprehensive plan

    Coverage range

    $50,000 - $2,000,000

    Price range
    $116 - $234
    • US travel Medical Insurance for Non-US Citizens traveling outside their home country.
    • This plan offers coverage for Hospitalization, Prescription drugs, Trip cancellation, Trip Interruption, Travel delay and Evacuation and much more!
    • It is an ideal visitor medical insurance for parents visiting USA.
    • Eligible for coverage of acute onset of pre-existing conditions if you are younger than 80. This includes a $25,000 lifetime maximum for emergency medical evacuation.
    Plan details Brochures

    Atlas Premium Insurance Comprehensive plan

    Coverage range

    $50,000 - $2,000,000

    Price range
    $196 - $329
    • Plan is ideal for family, tourists, business persons, vacationers and adventure travelers.
    • Provides coverage up to $50,000 and $1,00,000 70 to 79 year old travelers.
    • Eligible for coverage of acute onset of pre-existing conditions if you are younger than 80. This includes a $25,000 lifetime maximum for emergency medical evacuation.
    • Trip Interruption coverage available for up to $15,000 not subject to deductible.

    VisitorSecure Insurance Fixed benefit plan

    Coverage range

    $50,000 - $130,000

    Price range
    $44 - $80
    • Available for people traveling to the US and abroad.
    • Visitor Secure plan provides coverage for hospital room and board including miscellaneous. The price varies depending on the type of plan.
    • Plan provides coverage for acute onset of pre-existing conditions up to the age of 70.
    • This plan covers Inpatient and Outpatient treatment facilities and price varies between the types of plans.
  • Travel Medical Basic Insurance Comprehensive plan

    Coverage range

    $50,000 - $1,000,000

    Price range
    $99 - $172
    • Available for Non US residents and citizens traveling to the US or to other countries.
    • The maximum lifetime of the plan is 365 days and it can be renewed up to this time.
    • The policy maximum for this comprehensive insurance starts from $50,000 and provides up to $5,000,000. For people above age 80 years, they get a policy maximum of $10,000.
    • Covers acute onset of pre-existing conditions up to 79 years.
    Plan details Brochures

    Travel Medical Choice Insurance Comprehensive plan

    Coverage range

    $50,000 - $1,000,000

    Price range
    $136 - $249
    • Available for Non US residents and citizens traveling to the US or to other countries.
    • Covers Acute onset of pre-exisiting conditions upto 79 years.
    • The policy maximum for this comprehensive insurance starts from $50,000 and provides up to $5M. For people above age 80 years, they get a policy maximum of $10,000
    Plan details Brochures

    Travel Medical USA Visitor Basic Insurance Fixed Benefit plan

    Coverage range

    $50,000 - $150,000

    Price range
    $54 - $67
    • Available for Non US citizens coming to the US.
    • This is a fixed benefit insurance plan that provides a policy maximum of up to $150,000 for people below 70 years and for people above 70 years up to the age of 99 this policy can provide a policy maximum of up to $100,000
    • Acute onset of pre-existing conditions is covered up to the age of 79 years. People below 70 years get $50,000 coverage and people above 70 years get $25,000 coverage for this benefit.

    Travel Medical USA Visitor Choice Insurance Fixed Benefit plan

    Coverage range

    $50,000 - $150,000

    Price range
    $81 - $98
    • Available also for Non US citizens coming to the US.
    • This is a fixed benefit insurance plan that provides a policy maximum of up to $150,000 for people below 70 years and for people above 70 years up to the age of 99 this policy can provide a policy maximum of up to $100,000
    • Acute onset of pre-existing conditions is covered up to the age of 79 years. People below 70 years get $75,000 coverage and people above 70 years get $25,000 coverage for this benefit.
  • Diplomat America Insurance Comprehensive plan

    Coverage range

    $50,000 - $1,000,000

    Price range
    $155 - $266
    • Available for Non Us citizens and Non US residents visiting the US.
    • plan is available to the US citizens visiting US on business trips and vacation while living abroad. There is a requirement for a valid international address.
    • Plan is not available for citizens of Australia and Iran.
    • Covers pre-existing condition after 24 months of waiting period.
  • WorldMed Insurance Comprehensive plan

    Coverage range

    $500,000 - $2,000,000

    Price range
    $199 - $225
    • Available for people traveling outside their home country and is available to both US and Non US citizens.
    • This plan covers acute onset of pre existing condition up to the age of 70.
    • Deductible options are $0, $250, $500, $1000 and $2500.
    • Accidental Death and Dismemberment coverage is available for $50,000.

    Visit USA Insurance Fixed benefit plan

    Coverage range

    $50,000 - $250,000

    Price range
    $49 - $187
    • Available to Non-U.S. residents while visiting the U.S.
    • Coverage is available for the main insured party and spouse, unmarried adult dependent children, or for children traveling alone.
    • The policy maximum for accident and sickness medical coverage limits with Plan A is $50,000. For people above 80, the policy maximum is $20,000.
    • The deductible options in Plan A and Plan B are $0, $50, $100 or $250 per incident.
  • Voyager Choice Insurance Comprehensive plan

    Coverage range

    $50,000 - $1,000,000

    Price range
    $79 - $98
    • This plan avaiable for US residents travelling abroad
    • Pre-existing Conditions Covered: No waiting period. US primary health plan required.
    • Available from 1 day to 182 days
    • Applicant's age must be under 95 years

    Voyager Essential Insurance Comprehensive plan

    Coverage range

    $50,000 - $1,000,000

    Price range
    $70 - $79
    • This plan avaiable for US residents travelling abroad
    • Pre-existing conditions covered with 180 days exclusion
    • Available from 1 day to 182 days
    • Applicant's age must be under 95 years
    • No US primary health plan required.
  • INF Safe Traveler USA Insurance Comprehensive plan

    Coverage range

    $150,000 - $300,000

    • Provides coverage for Non-US Citizens & anyone visiting USA, Canada, Mexico and traveling worldwide outside their home country
    • This plan is not available to US residents and is only available to non-US residents.
    • Sickness & Accident Plan with 80% in network coinsurance.
    • Minimum purchase of 30 days is required for this plan.
    Plan details Brochures

    INF Safe Traveler USA 90 Insurance Comprehensive plan

    Coverage range

    $150,000 - $3,000,000

    • Covers 90% of elgibile medical expenses.
    • Minimum purchase of 30 days is required for this plan.
    • Provides coverage for Non-US Citizens & anyone visiting USA, Canada, Mexico and traveling worldwide outside their home country
    • This plan is not available to US residents and is only available to non-US residents.
    Plan details Brochures

    INF Elite Insurance Comprehensive plan

    Coverage range

    $150,000 - $1,000,000

    • Provides coverage for Non-US Citizens & anyone visiting USA, Canada, Mexico and traveling worldwide outside their home country
    • Coverage for Pre-Existing Conditions upto $1,000,000.
    • Minimum purchase of 90 days required to buy this plan.
    Plan details Brochures

    INF Premier Insurance Comprehensive plan

    Coverage range

    $100,000 - $1,000,000

    • Provides coverage for Non-US Citizens & anyone visiting USA, Canada, Mexico and traveling worldwide outside their home country
    • Coverage for Pre-Existing Conditions to $1,000,000.
    • Acute Onset treated like New Sickness.
    • Covers age up to 99 Years.
    Plan details Brochures

    INF Premier Plus Insurance Comprehensive plan

    Coverage range

    $3,000,000

    • Provides coverage for Non-US Citizens & anyone visiting USA, Canada, Mexico and traveling worldwide outside their home country.
    • Covers Full Pre-existing conditions up to 69 years.
    • Plan provides policy maximum $300,000 covers pre-existing condition maximum of $50,000/$100,000 with deductible $1,000/$5,000 for age 0 to 69 years.

    INF Elite 90 Insurance Comprehensive plan

    Coverage range

    $150,000 - $1,000,000

    • plan is available for Non-US Citizens.
    • Minimum Enrolment should be 90 days to buy INF Elite 90 Plan.
    • Covers 90% of elgibile medical expenses.
    • Covers Full Pre-existing conditions up to 99 years.
    Plan details Brochures

    INF Elite plus Insurance Comprehensive plan

    Coverage range

    $150,000 - $300,000

    • Not Available to US residents and is only available to non-US residents.
    • Acute onset is considered new sickness. 90% of eligible medical expenses.
    • Covers Full Pre-existing conditions up to 99 years.
    Plan details Brochures

    INF Standard Insurance Fixed Benefit plan

    Coverage range

    $50,000 - $150,000

    • Provides coverage for Non-US Citizens & anyone visiting USA, Canada, Mexico and traveling worldwide outside their home country.
    • Plan has a minimum purchase requirement of 30 days.
    • Covers accident & sickness while traveling to USA, Canada, and Mexico.
    Plan details Brochures

Factors to buy best travel medical insurance USA

Age of the traveler

The cost of medical insurance for travelers is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.

Type of US travel health insurance

Comprehensive insurance provides exhaustive coverage but is more expensive than fixed benefit insurance which has a specified limit for each treatment.

Medical maximum coverage

The price of USA medical insurance for visitors is directly dependent on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.

Region of coverage

Health insurance for USA visitors depends on the coverage region. The cost for visitor insurance for the United States is most expensive when compared to Europe or Asia.

Duration of travel insurance

The cost of trip insurance directly depends on the length of travel. The longer the duration of visitor medical insurance required, the higher will be the cost.

Any add on benefits

Additional add-on benefits to the basic insurance for tourist plan like adventure sports coverage, coverage for pre-existing conditions… will add to the overall cost.

USA travel insurance coverage highlights

What does Travel Medical Insurance cover?

Some of the other important travel health insurance for USA benefits are listed below. Travelers can compare visitors medical 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 health insurance for tourists in USA medical varies based on the tourist health insurance USA 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 chosen health insurance for USA travel, 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.

Visitors medical insurance coverage for pre-existing conditions
A pre-existing condition is a medical ailment that existed before the start of the us holiday insurance for visitors coverage. Conditions that are considered as pre- existing diseases include ailments like Asthma, heart related issues, high blood pressure, kidney disease, cancer, diabetes etc. It is difficult to find health insurance for tourists in USA that covers pre-existing conditions.Only some tourist health insurance cover pre-existing conditions with INF being one company that offers greater coverage for pre-existing ailments. INF visitor insurance in USA with pre-existing conditions coverage insures in-patient, out-patient, urgent care, specialist, doctor visits, anything related to pre-existing conditions. This includes pre-existing conditions ranging from blood pressure, diabetes, kidney complications to arthritis and are covered by the INF Premier insurance and INF Elite Plan. Compare the best travel insurance for pre existing conditions before actually buying the travelers insurance.

Surgery
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
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 tourist health insurance 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.

What does visitors medical insurance cover?


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.

Pre-existing conditions
Some plans insure acute onset of pre-existing conditions.

Medical evacuation
Medical evacuation expenses to nearest facility included.

Repat of remains
Repatriation of remains to home country included.

Find the best medical insurance for visitors to USA

  • Our US travel health insurance offers foreign visitors coverage for international travel. These tourist insurance USA and are underwritten by reputed US insurance companies.
  • Call our customer service at (877) 340 7910 or contact us if you have any questions about our health insurance for visitors in USA.
  • When you buy health insurance for US visitors online, you receive a confirmation email immediately. You can also request the health insurance for foreign visitors to be mailed by regular post to your physical address.
Visitor health insurance USA
  • The health insurance USA for foreigners in USA confirmation email has the policy details and the travel insurance USA ID Card attached.
  • The cost of the best medical insurance for visitors to USA depends on
    • Age of visitor(s) - older the traveller, higher the cost,
    • Visitor health insurance policy maximum – higher the policy maximum, higher the cost
    • Deductible of visitors medical insurance – greater the deductible, cheaper the cost
    • Duration of travelers health insurance USA and other visitor medical insurance factors – longer stay results in higher cost
    • Coverage for pre-existing ailments – coverage for pre-existing ailments makes it more expensive
  • We offer medical insurance for visitors to USA, tourists, students with F1 visas, scholars with J1 visas, Green Card holders, US citizens traveling outside the US.

An Overview of USA health insurance for visitors

Important Definations Advantages Disadvantages
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.
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
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.
Full Pre-existing Conditions
Coverage
Renewability
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.
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
Maternity
Some US visitors need medical insurance for maternity. A few USA medical insurance for visitors 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
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.
US citizens traveling outside USA
Travel Medical Insurance Focus on the health of the traveler No coverage for the vacation related expenses.
Trip cancellation insurance Designed to cover the entire cost of the trip Coverage also vacation related expenses. Higher cost than travel medical insurance.
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 -

Definations

Reliability: A.M Rating evaluates the financial stability and reliability of the insurance company.

Benefit Period: The greater the benefit period the better the coverage.

Deductible: Deductible is what the customer pays before the insurer pays anything.

Coinsurance: Coinsurance 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…)

Coverage types
  • Per period of coverage - Amount of benefit applies to claims throughout policy period
  • Per injury - Benefit amount applies to individual sickness or injury.
Coverage regions
  • Including USA - These plan provide coverage in USA
  • Excluding USA - Coverage extends outside the USA
  • Including USA, Canada and Mexico - Coverage is in USA, Canada and Mexico
Coverage duration
  • Longer duration for Expatriates - Plans purchased for longer duration are little expensive
  • Shorter duration for vacationers (travel health insurance and trip cancellation plans) - Plans purchased for shorter duration are cheaper

Steps to buy US travel health insurance

 1: Find best health insurance for foreigners

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

 2: Compare best travel insurance USA options

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

 3: Buy US travel health insurance that you like best

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

 4: Review emailed travel health insurance foreigners documents

Review the international travel health insurance policy for coverage details and relevant contact numbers

us visitors insurance online

Different types of US Visitors travel insurance

Fixed Benefit travel insurance

A fixed benefit or scheduled benefits travel insurance plan is the cheapest US travel insurance plan, however this is because the Fixed benefit travel insurance have a fixed limit of coverage for different medical benefits. Fixed benefit international travel medical insurance works well for small ailments but can be inadequate for more serious medical conditions involving hospitalisation.

Comprehensive travel insurance

Comprehensive travel insurance provide full coverage for medical expenses up to the policy medical maximum limit. As opposed to fixed benefit international travel medical 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 health insurance for visitors to USA - FAQs

01.  What is the best travel health insurance for visitors to USA? Or What is the best visitor travel insurance USA? Which visitor travel insurance is best?

International travelers to the US can find the best visitors coverage insurance comparing among several different companies and health insurance for USA travel plans. The best US travel insurance varies depending on the specific needs of the traveler. Older travelers will want coverage for their existing medical ailments which are more expensive, while younger travelers might be satisfied with cheap travel insurance which offer basic coverage. We also have travel medical insurance USA plans with Quarantine expenses covered.

02.  Why is health travel insurance USA so expensive?

There is no denying that health travel insurance 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 medical travel insurance USA cost is directly related to the healthcare cost. One more factor for some health travel insurance USA plans to be very expensive is that there are specially designed medical travel insurance USA plans for older travelers, with visitors coverage for pre-existing ailments.

03.  Can a foreigner buy health insurance in USA? Can I get health insurance with a tourist visa in USA?

Yes, health insurance USA for foreigners is available, a foreigner can buy travel insurance while visiting USA. Given the high cost of healthcare in the US, it is very risky to travel to the US without the best health insurance for foreign visitors. International tourists can compare different travel insurance for foreign visitors online. Compare US health insurance plans for tourists online to buy the best medical insurance for foreign visitors to the US.

04.  When should I buy visitors health insurance USA? When should I buy international travel medical insurance?

We recommend that you buy visitor health insurance after you have booked your flight and/or set your dates for travel. You should start the plan the day you leave your home country until the day you return to your home country. Keep in mind the "time" of the policy starting and ending will be based on Eastern Standard Time (EST). However, it is not always possible wait until your dates are completely set. If you must buy the visitors health insurance before your dates are determined (say, because you are applying for a visa), you can make your purchase and then we can easily help you shift the dates of the trip.

For short term travel insurance you can also cancel the policy for a full refund before the start date of the plan (that is not the case with trip cancellation insurance). Sometimes it happens that you forget to make your purchase before you or your visitor leaves home. This is also generally not a problem. Many companies allow you to make a purchase while mid-trip. Of course, anything that has already occurred (injury or illness) cannot be covered unless you had the policy in place before it happened.

06.  How much does visitors travel insurance USA cost?

The cost of visitor health insurance USA or medical insurance plans for travel in USA will depend on (1) where you are traveling (traveling to the US is more expensive than traveling elsewhere), (2) travelers age (3) the length of the trip, (4) Fixed vs comprehensive visitor insurance. Within those parameters, you can choose an economical fixed plan or a more expensive, but complete comprehensive plan. The cheapest visitor health insurance USA is a fixed benefit plan because it only covers a set amount for each medical expense.

The downside is that you only know what the insurance company will pay on your behalf; you may owe a little or a lot -- it will all depend on how much, specifically, for each service, you are charged. Someone in their Thirties will pay about $40 per month for a fixed plan or $60 for a comprehensive plan if traveling to the US. That same person would only pay $30 for a comprehensive plan to go to Europe. The price is usually double for someone in their Sixties, and even more for older travelers.

07.  Can you buy USA visitors insurance after booking a flight?

Absolutely! This is generally when we recommend that you make your purchase. However, we can always change the dates on a policy if that is needed. Shifting dates will take about a business day to get your documents updated and back to you. If you want to get a trip cancellation policy, the best time to make your purchase is within 10 days or so from your first deposit for your trip. This gives you the best coverage for your trip (including pre-existing conditions, if that is an issue).

08.  How do I file a visitor health insurance USA claim?

The travel insurance for USA visitors claim can be filed by submitting a scanned copy of the hospital bill and receipts to the insurance company by email along with the completed claims form. The customer gets the money reimbursed from the insurance company after they receive the bill. If the hospital provider and insurance company agree for the direct billing, then the doctor's provider can directly send the bill to the insurance company and they can pay the money directly to the doctor.

09.  Can I travel to USA without medical insurance?

It is not a legal requirement for travelers to the USA to have medical insurance, however it is very risky to be uninsured and travel insurance is highly recommended. Healthcare costs in the United States is extremely high, and without proper travel medical insurance, you will be responsible for paying for all medical expenses.

While it is possible to travel to the US without visitors medical insurance, it is important to carefully consider the potential risks and expenses involved.

10.  What is the maximum age when travelers can buy this tourist health insurance USA?

Tourist Insurance USA is available from the age of 14 days up to 90+ years of age. The important thing to remember is that the benefit of the plan changes and reduces dramatically after the age of 70 with most of the plans. Some of the plans will not cover the acute onset of pre-existing condition after the age of 70.

11.  Do visitors to US need health insurance? Is visitor visa insurance USA required for visiting USA?

While it is not mandatory to buy visitor medical insurance for getting a US visitor visa, it is however a necessity given the high US healthcare costs. Even minor medical ailments are expensive and bigger medical conditions involving hospitalization without good visitors medical insurance USA can be financially catastrophic.

Having visitors travel insurance for USA can be a huge relief which comes in handy during any major unexpected sickness or injury while in a foreign country. International travelers can compare visitor international medical insurance and choose the best coverage to have a safe sojourn in the US.

12.  Can I buy visitors travel insurance after arrival in my destination country?

Yes, travelers can buy visitors insurance after arrival in their destination, however, some travel insurance plans have eligibility constraints in this situation. Please look at the policy brochure for eligibility details for buying insurance after arrival in your destination country.

13.  Why American visitor insurance?

American Visitor Insurance works with reputed US travel insurance providers to give international travelers a wide range of travel insurance options. Our company has two decades experience in understanding the diverse requirements of international travelers and in offering appropriate travel insurance options to them.

Our typical customers range from international travelers visiting family in the US, international students, J visa holders, H1b Visa holders, US travelers going overseas, travelers to Schengen countries who need travel insurance to satisfy visa requirements, trip cancellation customers to insurance their trip expenses, travelers looking for Covid travel insurance with quarantine coverage as mandated by certain countries, corporate professionals and business travelers who travel internationally regularly as well as other diverse traveling groups with unique needs.

Our licensed dedicated customer support team provide service at all times helping customers find the most appropriate travel insurance for their needs as well as guide them when using the insurance in the event of a medical or travel emergency. We also provide answers to all international travel insurance questions, reviews of different products, testimonials for customers as well as provide an user friendly travel insurance comparison tool where travelers can compare different products based on price as well as the coverage benefits. All of these tools help travelers make an informed decision while buying travel insurance.

14.  Why compare travel health insurance USA plans?

Visitor medical insurance USA plans offered by reputed US insurance providers appear similar as most visitor medical insurance plans have comparable benefits and the cost is also similar. However, the need of every traveler can be distinct and different visitor medical insurance plans have one or two different benefit coverages or perhaps even some restrictions. In order to choose the right plan based on the visitors needs and to get the best coverage available, it is prudent to compare insurance benefits.

Following are some of the features you need to consider while comparing visitor insurance:

Type of visitor insurance (Fixed or Comprehensive): Fixed benefit insurance are much more affordable when compared to the Comprehensive plans but they offer limited coverage compared to the Comprehensive plans. Normally, it is recommended to choose Comprehensive visitors insurance but there are times when some people are looking for an cheaper option.

Policy Maximum: This is the maximum coverage that any plan would offer which normally ranges from $50,000 up to $1,000,000. This is the maximum a policy can cover in case of an emergency as per the policy guidelines and conditions mentioned in the policy.

Deductible: An initial amount the traveler needs to pay before the visitors insurance actually starts to pay. The deductible options can range anywhere from $50 up to $5000 based on the plan. A larger deductible means lower premium price and vice versa. Picking a large deductible thus low premium by choosing a comprehensive plan is usually recommended, as most of the comprehensive plans have a one time deductible and is cost effective.

Pre-existing condition coverage: This is very important benefit factor as many customers need this benefit. This benefit requirement mostly is required by people over the age of 60, however there may be exceptions where younger people may need this coverage too. Most comprehensive visitors insurance plans offer this coverage for people up to 70, some go up to 80 and a few provide for people above 80. Fixed benefit plans limit this coverage for travelers up to the age of 70 years. Very few plans do not have pre existing condition coverage at all. Pre existing condition coverage is provided only for acute onset of a pre existing condition. There is only one company namely INF that offers plans providing full pre existing condition coverage.

Different kinds of plans: We have travel medical insurance plans also known as visitor insurance plans. Then, we have trip cancellation insurance. Trip cancellation or protection insurance plans are suitable for someone who needs their trip investment to be insured in case of unexpected cancellation. This is slightly different from travel medical insurance plans which does not provide the trip cancellation benefit. Trip insurance plans provide most of the benefits that a travel insurance plan can provide like medical expenses and evacuation are also covered. Most of the trip cancellation insurance plans include cancel for any reason coverage.

Residential status: Many visitors insurance provide coverage only within the US. Some plans provide coverage worldwide. There are plans available only for Non US citizens visiting the US. There are plans where both Non US and US citizens living abroad are eligible to visit the US and claim coverage. There are plans where US citizens traveling outside the US are eligible. Comparing the plans to look for this factor is necessary before we purchase the plan and start the travel.

Sports and other unique activities: Some of the plans provide excellent sports medical coverage for hazardous sports and other adventure activities.

Based on these visitors insurance factors, American Visitor Insurance provides an excellent compare visitor medical insurance facility where getting quote for the plans as per the travelers’ requirement is a lot easier and user friendly.

15.  Does travel insurance work in the US?

Yes. These travel insurance plans are from the reputed and popular private insurance companies in the US. These companies have been there for a while and has served many travelers over the years and have excellent rating and popularity. They are associated with the provider networks in the US which are popularly known as PPO networks such as First Health network, United Healthcare, Coventry healthcare...to name a few.

16.  What travel insurance is best for seniors?

For seniors above the age of 70, most of the plans provide a lower policy maximum. One or two plans provide a policy maximum of $100,000 and $50,000. Seniors visiting the US who are Non US citizens above 70 can purchase Atlas America, Safe Travels USA, Safe Travels USA Comprehensive, Safe Travels USA Cost Saver, Travel Medical Plus. Seniors above 80 and Non US citizens coming to the US can purchase Safe Travels USA Comprehensive, Safe Travels USA, Safe Travels USA Cost Saver.

17.  At what age does travel insurance become expensive?

Travel insurance starts costing higher after the age of 65. Most of the plans start limiting coverage for acute onset of pre existing condition after this age. Some plans continue to provide good amount of benefits up to age of 79. Very few plans pay flexible benefits up to age 89. However, the policy maximum on the plans get limited to $10,000 or $20,000 with most of the plans. Few of them provide up to $50,000 and very few provide $100,000 as the policy maximum.

18.  Can you get a visa without visitor travel insurance?

Some countries (like the Schengen countries in Europe) require proof of travel insurance as part of the visa application process, while some others do not. However even if travel medical insurance is not required for your visa, it is highly recommended to have it when traveling abroad given the relative cost of travel insurance when compared to the cost of international travel and value of having good travel insurance while outside one’s home country.

19.  What should I consider while deciding on purchasing travel insurance for USA visitors?

While shopping for travel insurance for visitors to USA, it is important to keep in mind that there are essentially two types of travel insurance plans:

  1. Fixed benefit coverage plans: This is cheaper but has limited coverage.
  2. Comprehensive coverage plans: More expensive but has much better coverage.

Beyond this big factor, other points to note is that one can choose between different several medical maximum coverage and deductible. The medical maximums range from as low as $10,000 up to $1,000,000. For deductibles, you can choose one as low as $0 and as high as $5,000. The cost of the US visitors insurance directly increases with higher medical maximum, while it reduces with higher deductible. Travelers to USA can make an informed decision by comparing the popular visitors insurance plans on American Visitor Insurance.

Compare health insurance for USA travel

  • Our compare travel insurance for visitors in USA facility is an user friendly time saving utility to find health care for visitors to USA insurance customers.
  • The Cheap visitor insurance in USA that we offer are specially designed for international travelers. Travelers can enter their age to get several medical insurance for US visitors coverage quotes. We also show plans that cover travel insurance for visitors to USA with pre-existing conditions.
USA visitors medical isurance
  • Different travel insurance in USA for foreigners can be reviewed in one screen and bought online.
  • Along with medical insurance for US visitors quotes, the compare travel insurance for foreigners in USA tool also displays key benefits, exclusions, PPO network details and renewal details.
  • One advantage of our compare best visitor insurance USA tool is that it highlights visitor health insurance USA reviews, benefits and exclusions so that travelers can make an informed choice while saving time.

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Exclusions under visitor insurance USA

Exclusions under visitor insurance in USA depend on the specific insurance policy and provider. However, some common exclusions in USA travel insurance for visitors plans are:

1.  Routine check-up and preventive care: Health insurance for tourists in USA plans do not cover routine check-ups and preventive care.

2.  Mental health and substance abuse: Some international medical insurance plans exclude coverage for mental health services and substance abuse treatment.

3.  High-risk activities: Certain high-risk activities, such as extreme sports or adventure activities, may not be covered under health insurance for visitors in USA plans. It is possible to get an add-on benefit to coverage sporting activity

4.  Acts of terrorism and war: Health insurance for tourists in USA plans may exclude coverage for injuries or illnesses that result from acts of terrorism or war.

5.  Pre-existing conditions: Some health insurance for visitors in USA plans do not cover medical expenses related to pre-existing conditions while other may provide limited coverage for pre-existing ailments.

Please use the visitor health insurance USA cost compare tool on American Visitor Insurance to review the coverage benefits as well as read the policy brochure to understand what is not covered.

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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