Compare the Best U.S. visitor medical insurance plans and find coverage for acute onset of pre-existing conditions.
Looking for the Best visitor medical insurance for the USA? Compare Safe Travels USA Comprehensive, Atlas America Insurance , Patriot America Plus and Travel Medical Choice side-by-side and pick the right plan in seconds.
* Sample pricing for 25-year-old traveler, $50,000 coverage, $250 deductible| Atlas America | Safe Travels USA Comprehensive | Patriot America Plus | Travel Medical Choice | |
|---|---|---|---|---|
| Insurance Providers help | ||||
| Underwriter | Houston Casualty Company | Zurich Insurance | SiriusPoint Specialty Insurance | Crum & Forster SPC |
| A.M. Best Rating | A++ (Superior) | “A (Excellent)” | A- by A.M. Best | “A (Excellent)” |
| Length of coverage help | 5 days to 364 days | 5 days to 364 days | 5 days to 364 days | 5 days to 364 days |
| Renewability help | Yes : Up to 364 days | Yes : Up to 364 days | Yes : Up to 24 months | Yes : Up to 364 days |
| Medical Maximum Options help | Up to $2,000,000 | Up to $1,000,000 | Up to $1,000,000 | Up to $1,000,000 |
| Deductible Options help | $0 to $5,000 | $0 to $5,000 | $0 to $2,500 | $0 to $2,500 |
| Medical Benefits | ||||
| Hospital room and board help | Covered | Covered | Covered | Covered |
| Intensive care unit help | Up to the overall maximum limit | Up to the overall maximum limit | Up to the overall maximum limit | Up to the overall maximum limit |
| Emergency Services | ||||
| Emergency local ambulance help | Covered | Covered | Covered | Covered |
| Hospital emergency room help | $200 Additional deductible per visit | $200 Additional deductible per visit | $250 deductible for each emergency room visit | Not Covered |
| Dental | ||||
| Emergency dental treatment help | Up to $300 | Up to $250 | Up to $300 | Up to $200 |
| Acute Onset of Pre-Existing Condition | ||||
| Acute Onset of Pre-Existing Conditions help | Up to the overall maximum limit. | Upon attending age 70 -79 Acute Onset benefit will bereduced to a Maximum of $35,000, Upon attending age 80 the benefit will be reduced to a maximum $20,000. |
Covered | 14 days to 69 years old: $25,000 70 to 79 years old: $2,500 80 years and older: N/A |
| Life | ||||
| Common carrier AD&D help |
Under Age 18: Lifetime maximum: $10,000 Ages 18 Through 69: Lifetime maximum: $50,000 Ages 70 Through 74: Lifetime maximum: $25,000 Age 75 and Older: Lifetime maximum: $12,500 |
$25,000 | $50,000 principal sum | Under age 18: Up to $5,000 principal sum Members age 19-80: $25,000 principal sum $250,000 aggregate limit per total insureds on plan |
| Evacuation | ||||
| Emergency medical evacuation help | Up to $1,000,000 | Up to $1,000,000 | Up to $1,000,000 | Up to $500,000 |
| Brochure and Details | ||||
Last Updated: 2026
| Plan | Maximum Coverage | Notes |
|---|---|---|
| Atlas America | $10K – $2 Million | Suitable for short stays and budget-conscious travelers. Coverage available up to age 99. |
| Safe Travels USA Comprehensive | $50K – $1 Million | Higher coverage limits, senior-friendly options up to age 89, and better protection for high-cost medical emergencies. |
| Patriot America Plus | $50K – $1 Million | Higher coverage limits with good medical coverage. Suitable for travelers up to age 99. |
| Travel Medical Choice | $50K – $1 Million | Comprehensive coverage with higher limits and protection for expensive medical emergencies. |
✅ Recommendation: Choose a plan with higher coverage limits for better protection against high-cost medical emergencies.
| Plan | Deductible | Notes |
|---|---|---|
| Atlas America | $0, $100, $250, $500, $1000, $2500, $5000. | Choosing a higher deductible usually lowers the premium. |
| Safe Travels USA Comprehensive | $0, $100, $250, $500, $1000, $2500, $5000. | Higher deductible options reduce the cost of the plan. |
| Patriot America Plus | $0, $100, $250, $500, $1000, $2500 | Fewer deductible choices, but higher deductible still lowers the premium. |
| Travel Medical Choice | $0, $100, $250, $500, $1000, $2500, $5000. | Multiple deductible options depending on the selected coverage. |
✅ Note: A $0 deductible means you don’t pay out-of-pocket before insurance starts paying, which can make claims simpler during emergencies.
| Plan | Underwriter | AM Best Rating |
|---|---|---|
| Atlas America Insurance | TMHCC Insurance SPC Ltd and Houston Casualty Company | AM Rating: A++ (Superior) |
| Safe Travels USA Comprehensive | Zurich Insurance Europe AG Belgian branch | AM Rating: A (Excellent) |
| Patriot America Plus | SiriusPoint Specialty Insurance Corporation | AM Rating: A- by A.M. Best |
| Travel Medical Choice | Crum & Forster SPC | AM Rating: “A (Excellent)” |
Both are reputable carriers, so financial and claims-paying ability is strong on paper.
None of these plans cover ongoing treatment of chronic pre‑existing conditions (like diabetes, hypertension, etc.). What they do offer is coverage for the acute onset of a pre‑existing condition meaning sudden complications that require immediate medical care during your trip.
| Plan | Acute Onset Coverage | Age Limit | Notes |
|---|---|---|---|
| Safe Travels USA Comprehensive | Up to plan maximum (subject to limits by age) | 89 | Covers sudden medical emergencies related to pre‑existing conditions; benefits may be reduced at older ages; chronic care not covered. |
| Atlas America | Up to plan maximum | 80 | Acute onset covered up to policy max for eligible ages; does not cover ongoing or expected treatment. |
| Patriot America Plus | Up to plan maximum | 70 | Acute onset covered for eligible ages; coverage reduces with age; chronic condition treatment is excluded. |
| Travel Medical Choice | Up to plan maximum | 79 | Typically includes acute onset benefits; limitations vary by age and selected coverage level; chronic conditions excluded. |
👉 Neither plan replaces comprehensive health insurance for ongoing treatment of chronic conditions.
The table below provides a monthly cost comparison of four popular visitor insurance plans for travelers aged 40, 60, and 70. Visitor insurance plans for the USA can start from as low as $77 per month depending on age and coverage. It shows the range of premiums you can expect for different plan maximums, helping you choose the best plan for your budget and coverage needs.
You can compare cost for Safe Travels USA Comprehensive vs Atlas America vs Patriot America Plus vs Travel Medical Choice.
| Plan Name | Plan maximum | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|
| Safe Travels USA Comprehensive | $50,000 - $1,000,000 | $90 - $168 | $172 - $351 | $294 - $470 (upto 100,000) |
| Atlas America | $50,000 - $2,000,000 | $78 - $154 | $177 - $378 | $365 - $444 (upto 100,000) |
| Patriot America Plus | $50,000 - $1,000,000 | $77 - $243 | $164 - $311 | $287 - $434 (upto 100,000) |
| Travel Medical Choice | $50,000 - $1,000,000 | $108 - $199 | $275 - $514 | $493 - $1033 (upto 100,000) |
The average cost of visitors travel insurance for USA is based on quotes for one month.
Source: American Visitor Insurance®
Here’s the decision logic based on your priorities:
✅ Best choice for travelers seeking high limits and broad emergency protection
✅ Designed for travelers seeking essential coverage without overpaying, perfect for short-term visitors or frequent travelers.
✅ More than just emergency coverage — combines medical protection with wellness and continuity of care, making it ideal for travelers who want extra health support abroad.
✅ Travelers who want more complete emergency medical coverage while visiting the U.S.
How much is Atlas America travel insurance coverage?
The policy maximum amount of coverage is the cumulative total amount of Dollar amount benefit that is available by Atlas America travel insurance. Once reached, no other benefits will be available. Atlas America travel insurance has policy maximum options for Age 80+: $10,000, for Age 65 to 79: $50,000, $100,000 and for all others: $50,000, $100,000, $250,000, $500,000, $1,000,000, $2,000,000.
Why should I buy Atlas America travel medical insurance?
How much does Atlas america travel insurance cost?
The Worldtrips Atlas America insurance for visitors cost will vary depending on the age of the traveler, the type of coverage, the travel destination and the duration of travel. Typically, visitors travel insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers.
Is Atlas America a good travel insurance? is Atlas America legit?
Yes, Atlas America is a good travel insurance plan for visitors to the US. It offers comprehensive coverage for travel insurance needs, including medical emergencies, trip cancellations, and baggage loss.
Does Atlas America insurance offer coverage for sports?
Atlas America covers eligible injuries and illness incurred while taking part in many popular vacation sports - skiing, snowboarding, snorkelling, water skiing, and others - at no additional cost. Certain extreme sports are excluded from coverage.
Does Atlas America offer coverage for maternity?
Well, Atlas America offers coverage for complications of pregnancy during the first 26 weeks of gestation.
What is the pre-existing condition lookback period for Atlas America insurance?
Yes, there is a 2-year look-back period for pre-existing conditions.
Does Atlas America insurance cover pre-existing conditions?
Atlas America is a best travel insurance pre existing conditions Insurance that offers coverage for acute onset of pre-existing are covered up to the age of 80 years. It excludes coverage for chronic and congenital conditions. For visitors aged up to 70 years, it offers coverage up to overall maximum limit. Visitors aged between 70 to 79 years can get coverage up to the overall maximum limit or $100K, whichever is lower.
Safe Travels USA Comprehensive is a visitors insurance plan for Non-us citizens visiting USA. It is available for travelers up to 89 years and can be purchased for durations ranging from 5 days to 364 days, with options for renewal. Plan offers extensive medical coverage, including up to $1 million for accidents and illnesses, emergency medical evacuation, repatriation of remains, and coverage for acute onset of pre-existing conditions. Safe Travels USA Comprehensive operates within the First Health PPO network, allowing for reduced out-of-pocket expenses when using in-network providers.
The Safe Travels USA Comprehensive visitor insurance cost is dependent on the following factors:
The age of the traveler, the length of insurance coverage, the plan limit and the deductible. The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Travelers can choose maximum limits of $50,000, $100,000,$250,000, $500,000, $10,00,000 depending on the age of traveler.
Yes, Safe Travels for visitors to the USA insurance offers the best coverage for acute onset of pre-existing conditions up to the age of 70 years.
Yes, Safe Travels USA Comprehensive covers heart attacks and other cardiac emergencies as part of its full pre-existing condition coverage, which applies to insureds up to age 99. Eligible treatment related to pre-existing heart conditions is included, subject to the plan’s policy limits and deductible.
What is the advantage of buying Safe Travels USA Comprehensive plan?
Safe Travels USA Comprehensive Insurance is an affordable travel insurance. Safe Travels USA Comprehensive by Trawick International is ideal for visitors to the USA Comprehensive looking for cheap travel health insurance including coverage for SARS-CoV-2.
The Safe Travels USA Comprehensive travel insurance plan by Trawick international is available for Non US Citizens and US residents who are traveling to the United States or anywhere outside their home country. Safe Travels USA is not available for US citizens and US permanent residents (Green card holders).
Yes, the Safe Travels USA Comprehensive plan can be renewed if initially purchased for more than Five days. There is an $5 fee for renewing the Trawick International Safe Travels USA Comprehensive plan
Trawick international insurance is short term travel medical insurance designed for anyone, as long as they are outside their home country.
Acute onset of pre-existing conditions means sudden, unexpected emergency due to a pre-existing condition that can be dangerous to life and the traveler cannot wait to get treatment in the home country but to receive treatment immediately. It should be noted that for acute onset coverage, treatment must be sought within the defined time period for the plan and chronic and congenital conditions may not be covered.
To buy the Patriot America insurance, you will need the travel dates and passport details of the traveler.This will include the name of the traveler, the date of birth, the passport number and the travel dates.
You can get the quotes and make an instant purchase of Patriot America Plus travel insurance online with a credit card on American Visitor Insurance.This can be done without the need of any paperwork or medical exam.
Yes, the Patriot America insurance can be bought after arrival in the United States. It must be bought within 30 days for travelers above 65 years. The Patriot America plus can be purchased by travelers below the age of 65 years up to 6 months after arriving in the US.
Can US citizens buy Patriot America Plus Visitor insurance?
Patriot America Plus Insurance is available for US citizens residing outside USA and visiting USA for short term. Patriot America Plus insurance for US citizens require them to have resided outside US continuously for the past 6 months and must have a current health plan in force.
Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.
Yes, you will be covered by Patriot America Plus plan if you are traveling to multiple countries, as long as your travel includes the USA and you meet the eligibility criteria for the plan. The Patriot America Plus provides coverage for non-U.S. residents visiting the USA, as well as for U.S. citizens living abroad and traveling to the USA for a short trip.
Travel Medical USA insurance is short term travel health insurance designed for anyone visiting the United States. Travel Medical USA Insurance provides coverage for those who are traveling on vacation. It offers core travel insurance benefits, with coverage from as little as Five days. The benefits offered on the Travel Medical USA Insurance plan provide a range of high quality travel insurance benefits to cover you in the event of an unexpected accident or injury when you are abroad. This includes coverage for medical expenses, evacuation, repatriation, emergency reunion and other related benefits.
Individuals and families including unmarried dependent children traveling outside of their Home Country.
Travel Medical USA insurance is short term travel health insurance designed for anyone visiting the United States. Travel Medical USA Insurance provides coverage for those who are traveling on vacation. It offers core travel insurance benefits, with coverage from as little as Five days. The benefits offered on the Travel Medical USA Insurance plan provide a range of high quality travel insurance benefits to cover you in the event of an unexpected accident or injury when you are abroad. This includes coverage for medical expenses, evacuation, repatriation, emergency reunion and other related benefits.
Seven Corners Inc. has been offering travel insurance products since 1997. Seven Corners travel insurance is based out of Carmel, Indiana has over 200 employees and offers both domestic and international travel insurance plans . With their Travel Medical insurance and Inbound USA insurance products Seven Corners insurance provides travelers with health coverage ,safety and security for travelers away from home country and with the US. It caters to different types of travelers coming to the United States such as on B1 visa, students on F1 visa and professionals on the H1B visa. They also offer travel insurance coverage for US travelers who want trip cancellation insurance for travel insurance.
Does Travel Medical Choice Insurance covers pre-existing conditions?
Yes, Travel Medical Choice offers coverage for the acute onset of pre-existing condition coverage with cardiac condition and/or stroke for age range of 14 days to 69 years, $50k coverage is available and for age range of 70 to 79 years, $5k coverage is available and other than cardiac condition and/or stroke for age range of 14 days to 69 years, $75k coverage is available and for age range of 70 to 79 years, $7,500 coverage is available for Including USA .
When you visit a medical provider, explain to them that you have Travel Medical Choice insurance. Show them your ID card and ask them to call Seven Corners Assist if they wish to verify benefits and eligibility. Some providers may agree to bill Seven Corners directly, but they are not required to do so.