Best Travel Insurance for USA
Finding the right USA travel insurance is important because healthcare in the U.S. can be expensive, with an emergency room visit potentially costing $1,000 - $3,000+ and hospitalization often reaching tens of thousands of dollars.
Compare A-rated affordable travel insurance to USA starting from $1/day based on your age, citizenship, trip duration, medical needs, coverage amount, deductible, and budget to find coverage that fits your specific travel needs.
Find the Right Type of Travel Medical Insurance for USA
Choosing the right travel insurance USA plan starts with understanding how different coverage types work. Compare comprehensive and fixed benefit travel health insurance plans, review coverage for pre-existing conditions, and consider PPO networks, trip duration, and plan availability before choosing coverage for your USA trip.
Comprehensive plans generally provide broader coverage for eligible medical expenses, with benefits typically calculated as a percentage of covered expenses after applicable deductibles and subject to policy limits. Compare policy maximums, deductibles, coinsurance, and covered benefits to find a plan that fits your needs.
Explore comprehensive plans →Fixed-benefit plans pay specified amounts for eligible medical services according to the policy schedule. They may offer lower premiums, but you should carefully review benefit limits and your potential out-of-pocket expenses before purchasing.
Explore fixed benefit plans →Not sure which type is right for you? Compare USA travel insurance types to understand differences in deductibles, coinsurance, benefit limits, medical expenses, and potential out-of-pocket costs.
Compare fixed-benefit vs. comprehensive plans →If you have a pre-existing medical condition, check the policy's specific terms before purchasing. Some visitor insurance plans cover the acute onset of pre-existing conditions, while coverage, eligibility, age limits, exclusions, and benefit amounts vary by plan.
Explore pre-existing condition coverage →PPO network plans can give you access to participating doctors, hospitals, and healthcare providers in the USA. Before receiving care, check whether your provider is within the plan's network and understand the applicable deductible, coinsurance, and billing requirements.
Explore PPO network coverage →If you plan to stay in the USA for several months, compare travel insurance for long stays in USA options based on policy duration, renewal or extension provisions, deductibles, policy maximums, and other benefits. This can help you choose coverage that remains suitable throughout your extended stay.
Explore long term travel insurance plans →Plan availability may vary by state. Some insurance plans may not be available to residents of Colorado, Maryland, New York, South Dakota, or Washington. Check plan eligibility and state restrictions before purchasing visitor insurance.
Check plan restrictions →Visitor Insurance by Traveler Type
Visitor insurance needs can vary based on who is traveling, their age, trip purpose, and length of stay. Whether you’re looking for insurance for parents, seniors, family members, business travelers, digital nomads, immigrants, Green Card holders, nannies, or groups, compare USA visitor insurance plans to find coverage that fits your traveler and trip.
Explore USA visitor health insurance for tourists, parents, seniors, and other international visitors, with coverage for unexpected illness, injury, and medical expenses.
Explore visitor insurance →Find visitor insurance for parents with options based on age, trip duration, coverage limits, and pre-existing condition benefits. Compare plans designed for parents visiting family in the United States.
Explore insurance for parents →Compare acute-onset age cutoffs across carriers, which can range from age 70 to age 99 depending on the plan. Review age eligibility, coverage limits, and acute-onset benefits to find suitable senior travel insurance for USA.
Explore travel insurance for seniors →Digital nomads and remote workers may need flexible medical coverage for extended or recurring international travel. Compare digital nomad travel insurance based on trip duration, medical benefits, and coverage while traveling.
Explore digital nomad insurance →Nannies and au pairs traveling to or working temporarily in the USA may need visitor medical coverage for unexpected illness or injury. Explore nanny and au pair insurance options based on the length and purpose of the stay.
Explore nanny insurance →New or returning Green Card holders may need temporary medical coverage while waiting for employer-sponsored insurance or other U.S. health coverage to begin. Compare short-term health insurance options for Green Card holders.
Explore Green Card holder health insurance →New immigrants may need short-term medical insurance in the USA during the transition to permanent U.S. health coverage. Compare plans based on eligibility, duration, medical needs, and coverage limits.
Explore new immigrant health insurance →Families, organizations, sports teams, and other groups traveling to the USA can explore group travel insurance options with 5% - 10% discounts, along with medical coverage for multiple travelers under one group plan.
Explore group travel insurance →Travelers participating in sports or adventure activities should check whether their chosen plan covers the activities they plan to participate in. Compare travel insurance for sports and adventure activities and review exclusions, riders, and emergency medical benefits before traveling.
Explore adventure sports travel insurance →Travel Insurance for U.S. Citizens Traveling Abroad
U.S. citizens and expats living abroad may not have adequate U.S. health insurance when they return to America to visit family, conduct business, or stay for an extended period. Travel medical insurance for U.S. citizens visiting USA can help cover eligible expenses for unexpected illness, injury, hospitalization, urgent care, and medical emergencies.
Before purchasing, check that the plan accepts U.S. citizens living abroad, as eligibility and coverage terms can vary by plan. Compare medical maximums, deductibles, PPO networks, emergency medical evacuation, and pre-existing condition benefits to find suitable coverage.
Best Travel Health Insurance for U.S. Citizens Visiting the USA
| Travel Insurance USA Plans | Key Features |
|---|---|
| Patriot America Lite | Budget-friendly option for short-term visits with basic medical coverage. Pre-existing conditions are generally not covered. |
| Patriot America Plus | Broader medical coverage with acute-onset coverage for eligible pre-existing conditions. Coverage up to $1 million for eligible travelers under age 70, subject to plan terms. |
| Patriot America Platinum | Higher-maximum coverage with policy maximums of up to $8 million, depending on age and plan selection. Uses the UnitedHealthcare PPO network. |
| Diplomat America | Flexible option for U.S. citizens living abroad without a specific PPO network restriction. Optional sports and hazardous activities rider available. |
| Visitors Protect | Offers pre-existing condition benefits for eligible travelers up to age 99, subject to eligibility, exclusions, benefit limits, and policy terms. |
Does Travel Insurance Cover Pre-Existing Conditions?
If you or a visiting family member has a pre-existing medical condition, understanding whether you need acute onset or full pre-existing condition coverage is the most important step before buying a plan. Read our guide on Acute Onset vs Pre-Existing Conditions Coverage, to choose the right visitor insurance plan. Most visitor insurance plans cover emergency flare-ups of known conditions - but only a few cover ongoing treatment and doctor visits for those conditions.
Acute Onset Coverage
A sudden, unexpected onset of a pre-existing condition that occurs after coverage starts and requires immediate medical attention.
Best travel insurance for acute onset of pre-existing conditions: are Patriot America Plus, Atlas America, Seven Corners Travel Medical Basic and Safe Travels USA Comprehensive
Full Pre-Existing Coverage
A long-term or ongoing condition that existed prior to coverage and is generally managed over time
Best visitor insurance for pre-existing conditions are INF Elite X, INF Premier X and Visitors Protect (90-day minimum purchase).
Travel Insurance Coverage by Medical Condition
Compare visitors medical insurance that cover asthma attacks, flare-ups, and emergency treatment abroad.
- INF Elite 90 X: $1M medical, acute asthma coverage
- Visitors Protect: Pre-existing asthma & emergency care
Find visitors health insurance that helps cover arthritis pain, joint issues, and sudden medical care while traveling.
- INF Elite X: Emergency & acute arthritis coverage
- Safe Travels USA: $1M medical, acute pre-existing benefit
Get visitors travel insurance for diabetes, including emergency care for sugar level complications while overseas.
- SafeVista Protect: Diabetes & emergency medical coverage
- INF Elite X: Pre-existing diabetes coverage & emergency care
Choose travel insurance that covers heart problems such as chest pain, heart attack, or cardiac emergencies.
- Visitors Protect: Pre-existing heart condition coverage
- Safe Travels USA Comprehensive: Emergency cardiac care & hospitalization
Protect against health risks from high cholesterol with visitor medical insurance covering related complications abroad.
- Travel Medical Choice: Acute onset emergency coverage
- Elite Plus X: Covers Full pre-existing condition coverage
Find visitor health insurance that covers high blood pressure emergencies, strokes, or related complications while traveling.
- INF Premier X: Acute pre-existing & emergency care
- INF Elite Plus X: Full pre-existing hypertension coverage
How Much Does Travel Insurance for USA Cost?
Travel insurance to USA cost can start at less than $1/day for a healthy 30-year-old.
Fixed-benefit visitor insurance plans can range from $20 to $191/month, while comprehensive visitor medical insurance plans can range from $58 to $470/month, depending on the traveler’s age and coverage. The traveler’s age, medical maximum coverage, and deductible can significantly affect the premium. Learn more about the factors that affect travel insurance costs.
| Cheapest fixed benefit travel insurance plans | from $20/month |
| Comprehensive medical insurance plans, age 40 | $58 - $214/month |
| Comprehensive plans, age 70 | $237 - $470/month |
| 6-month coverage, age 60 | $122 - $1,050 |
Visitor Insurance by US State
Explore visitor insurance options across popular US states, including Florida, California, Texas, New York, New Jersey, Washington, Massachusetts, and Illinois. Find state specific information to help you compare plans based on your destination.
Browse by state →Visitor Insurance by US City
Looking for visitor insurance for a specific destination? Explore popular US cities such as New York, Las Vegas, Chicago, and San Francisco, with helpful information for visitors choosing travel medical insurance.
Browse by city →Visitor Insurance by Trip Duration USA
Compare temporary health insurance and short-term visitor insurance for trips lasting a few days to several weeks. Explore flexible medical coverage options for international visitors staying in the USA.
Explore Short-Term Plans →Explore visitor health insurance for a 6-month USA trip, including plan options, coverage features, and typical costs for extended stays.
View 6-Month Plans →Planning to stay in the USA for a year or longer? Learn about renewable travel medical insurance, deductibles, and long-stay coverage options.
Explore Long-Stay Plans →Frequent travelers can explore annual multi-trip insurance that provides coverage for multiple trips during a 12-month policy period.
View Annual Plans →Need to extend your visitor health insurance while in the USA? Learn how policy renewal works and how to avoid a gap in coverage.
Learn About Renewals →Understand visitor insurance cancellation rules, refund eligibility, and what to consider when your travel plans change.
Learn About Cancellation →How Much Travel Insurance Coverage Do You Need?
Choosing the right medical coverage maximum is an important part of buying visitor insurance for the USA. Compare coverage limits based on your age, trip duration, medical needs, deductible, and budget. Higher coverage maximums can provide greater financial protection against unexpected medical expenses, including emergency care and hospitalization.
| Travelers under 50 | $100,000 minimum |
| Travelers age 50 - 69 | $250,000 recommended |
| Travelers 70 and above | $500,000+ preferred |
| Travelers with pre-existing conditions | Highest available maximum |
Visitor insurance plans are available with different medical maximums, such as $50,000, $100,000, $250,000, $500,000, and higher. Compare visitor health insurance plans to find the coverage limit that fits your USA trip, medical needs, and budget.
Compare Visitor Insurance Plans →PPO Networks & Healthcare Access for Visitors to the USA
A PPO network can make it easier for visitors to access doctors, hospitals, urgent care, and other healthcare providers in the USA. Choosing a visitor insurance plan with PPO network access may help you find participating providers and receive negotiated rates for covered medical services. Understanding how the network works can help you manage eligible out-of-pocket medical expenses during your trip.
What Is a PPO Network?
Learn how PPO networks work with visitor health insurance, how to find in-network providers, and why using participating doctors and hospitals can help reduce eligible medical costs.PPO network basics →
UnitedHealthcare PPO Network Plans
Explore visitor insurance plans that use the UnitedHealthcare PPO network and learn how plans such as Atlas America and Patriot America Plus provide access to participating healthcare providers.Explore UnitedHealthcare plans →
First Health PPO Network Plans
Learn about visitor insurance plans using the First Health PPO network and how participating providers can give travelers access to doctors, hospitals, and other healthcare services.Explore First Health plans →
How to Find an In-Network Doctor
Find out how to search for an in-network doctor, hospital, urgent care center, or other healthcare provider before seeking medical treatment during your USA visit.Find a healthcare provider →
How Visitor Insurance Works?
Understand how visitor health insurance works in the USA, from choosing a plan and paying premiums to using your benefits and filing a claim. Learn about deductibles, coinsurance, provider networks, claims, and other key terms before purchasing coverage.
How Coverage Works
Learn how visitor insurance coverage works from the policy start date through receiving medical treatment and filing a claim.How it works →
How to Buy Visitor Insurance Online
Follow a simple step-by-step process for buying visitor insurance online and learn what to review before selecting and purchasing a plan.How to buy →
Filing a Visitor Insurance Claim
Understand how the visitor insurance claims process works, including direct billing, reimbursement, required documents, and steps to submit a claim.Claims process →
Visitor Insurance Glossary
Learn the meaning of important visitor insurance terms, including deductible, coinsurance, copay, coverage maximum, exclusions, and riders.Read the glossary →
What Are the Different US Visa Insurance Types?
Find the Best Travel Insurance for Your USA Visit
Which Travel Insurance for USA is Right for You?
- Cheapest Travel Insurance to USA - Safe Travels Advantage from $20/month* (fixed benefit)
- Best Comprehensive Medical insurance for Visitors to America - Atlas America up to $2M coverage + UnitedHealthcare PPO Most Popular
- Best Insurance for Parents - Patriot America Plus covers acute onset of pre-existing conditions
- Best USA Travel Insurance for Seniors (70+) - Safe Travels USA Comprehensive coverage available up to age 89
- Best USA Travel Insurance for Sudden Heart-Related Emergencies - Seven Corners Travel Medical Choice with eligible cardiac coverage.
- Best Travel Insurance for Pre-Existing Conditions USA (full pre-ex) - INF Elite X Insurance available for travelers up to age 99
- Looking for more options? - Explore all available Travel insurance plans for travelers to the USA in one place.
Which Pre-Existing Condition Travel Insurance Is Right for You?
- Most Popular US Travel Insurancewith Acute Onset of Pre-Existing Conditions - Atlas America covers acute on set pre-ex up to 79 years Most Popular
- Best Affordable Travel Insurance for USA with Pre-Existing Conditions - Patriot America Plus covers acute on set pre-ex up to 70 years
- Cheapest Travel Insurance to USA with Acute Onset of Pre-Existing Conditions - Safe Travels Advantage Covers travelers up to age 89, including cardiac-related acute onset coverage.
- Best Affordable Travel Insurance for USA with Pre-Existing Conditions - INF Premier X Offers full pre-existing condition coverage for eligible conditions up to age 99.
- Best Medical Insurance for Visitors to USA with Pre-Existing Conditions - INF Elite X Offers full pre-existing condition coverage for eligible conditions up to age 99.
- Best Travel Insurance to USA for Pre-Existing Conditions - Visitors Protect, Provides pre-existing condition coverage up to age 99.
Which Green Card Holder Health Insurance is Right for You?
- Cheapest health insurance for Green Card holders from India: Safe Travels Advantage offers up to $150,000 in medical coverage, with acute onset of pre-existing conditions covered up to age 89, including eligible cardiac conditions, and unlimited emergency medical evacuation.
- Best medical insurance for Green Card holders from India: Safe Travels USA Comprehensive offers up to $1,000,000 in medical coverage, acute onset of pre-existing conditions coverage up to age 89, including eligible cardiac conditions, and up to $1,000,000 in emergency medical evacuation.
- Best travel insurance for Green Card holders with pre-existing condition coverage: INF Elite X provides up to $1,000,000 in coverage with pre-existing condition coverage available up to age 99 and up to $25,000 in emergency medical evacuation.
- Best affordable health insurance for Indian Green Card holders with pre-existing coverage: INF Premier X offers up to $1,000,000 in medical coverage, pre-existing condition coverage up to age 99, and up to $25,000 in emergency medical evacuation, making it a lower-premium option.
- Best overall medical insurance for Green Card holders over 70: INF Elite Plus X offers coverage up to age 99, up to $1,000,000 in medical coverage, pre-existing condition coverage, and preventive care and maintenance benefits.
- Best health insurance for Green Card holders seeking strong medical coverage and a broad provider network: Patriot America Plus provides up to $1,000,000 in coverage, acute onset of pre-existing conditions coverage up to age 70, and up to $1,000,000 in emergency medical evacuation.
- Affordable Green Card holder insurance with cardiac and pre-existing condition benefits: Safe Travels USA Cost Saver provides up to $1,000,000 in coverage, with recurrence of pre-existing conditions covered up to age 70, including eligible cardiac conditions, plus up to $1,000,000 in emergency medical evacuation.
- Looking for more options? Explore all available health insurance for Green Card holders from India to compare policy maximums, pre-existing condition benefits, emergency medical evacuation, age eligibility, and premiums.
Choose the Right Visitor Insurance for Parents in USA
- Best for lowest cost and $0 deductible: Safe Travels Advantage, starting at around $29/month, for affordable fixed-benefit coverage.
- Best for highest coverage limit: Choose Patriot America Platinum for coverage limits up to $8 million.
- Best for PPO/direct billing access: Atlas America, for access to the UnitedHealthcare network and direct billing options.
- Best for parents age 70+: Safe Travels USA Comprehensive, for comprehensive coverage available up to age 89.
- Best for full pre-existing condition coverage from day one: INF Premier X, for comprehensive coverage of pre-existing conditions from the start of the policy.
- Best for comprehensive pre-existing condition coverage: INF Elite X, for parents up to age 99 who need broader coverage for ongoing pre-existing conditions.
- Best non-INF option for pre-existing conditions: Visitors Protect, for parents up to age 99 seeking comprehensive pre-existing condition coverage.
Which Are the Best Travel Insurance Companies in USA?
You can find reliable U.S. travel insurance providers through American Visitor Insurance, including International Medical Group (IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insurance Services, Trawick International, and INF Insurance. Compare the best travel insurance companies for visitors to the USA to find a plan that fits your needs.