California has wonderful landscapes and beautiful cities with endless attractions which make it as top destination for travelers from around the world. While you are busy in planning your trip but it is important to consider what would happen if you or someone in your group faced a medical emergency during your stay. Even the best travel plans can face an unexpected illness and injury. Medical care in California is top class but it can also be costly. That’s why having visitor insurance is very important it has designed to provide you with the coverage you need whether you are here for fun, business and to visit the loved ones.
With the right visitor insurance plan you will be prepared for the unexpected. You will have access to quality healthcare and financial protection so you can focus on making the most of your California experience. You can travel with confidence by knowing you are covered for whatever comes on your way.
When planning your trip to California whether you are coming to explore the famous coastline, experience vibrant cities and visit with family and friends. It is important to be ready for the unexpected. California visitor insurance from American Visitor Insurance is designed to protect you from the high costs of medical care in the state which ensuring you have affordable travel medical coverage while you are away from home.
Medical emergencies can happen at any time and without California visitor health insurance you need to face high bills for doctor visits, hospital stays and emergency treatment. That’s why choosing the right visitor insurance plan in California is useful for tourists, business travelers and those visiting loved ones. With American Visitor Insurance you can compare top visitor insurance plans and select the coverage that fits for your needs so you can travel with confidence.
If you are a tourist business professional and visiting family in California then travel medical insurance for visitors is a smart and necessary investment. Medical needs can arise unexpectedly it is important for seniors and parents traveling with children to have visitor insurance. Even short term visitors should consider buying visitor insurance to avoid costly expenses. With American Visitor Insurance, you will have access to affordable visitor medical coverage with flexible plan options and 24/7 support so you can enjoy your California adventure with peace of mind.
A fixed benefit travel insurance plan is the cheap health insurance for visitors to USA plan, however this is because the Fixed benefit travel insurance have a fixed limit of coverage for different medical benefits. Fixed benefit visitor insurance works well for small ailments but can be inadequate for more serious medical conditions involving hospitalisation.
Cheapest fixed benefit visitor insurance plans for the USA
Age: 40 years | Plan: $25,000 | Deductible: $0
Age: 40 years | Plan: $25,000 | Deductible: $0
Comprehensive travel insurance provide full coverage for medical expenses up to the policy medical maximum limit. As opposed to fixed benefit visitor 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 comprehensive visitor insurance plans for the USA
Age: 40 years | Plan: $50,000 | Deductible: $250
US Healthcare is extremely expensive, and even a simple doctor’s visit can become a financial burden unless insured properly.
In 2025, the cost of travel health insurance for visitors to the US ranges between $19 to $172 per month, depending on
Cheaper options are available for as little as $1 to $5 per day, however the coverage is also limited.
Why is travel insurance USA is so important? A simple doctor’s visit can cost anywhere between $250 to $350, while a heart attack can cost at least $25,000. A stay in the ICU after a stroke can cost upwards of $150,000. As routine echocardiogram can range from $1,500 to $4,000 while emergency treatments for conditions like diabetes can cost anywhere from $3,500 to $7,000. Treatment for kidney failure can result in bills of over $30,000.
Cheap visitor health insurance for visitors to USA starts at $19 per month for fixed benefit plans. Following is the cost of visitor insurance per month.
| Plan Name | Plan max range | Deductible | Age 35 | Age 55 | Age 75 |
|---|---|---|---|---|---|
| Safe Travels Advantage | $25,000 - $150,000 | $0 | $19 - $54 | $29 - $82 | $59 -$160 |
| Visitors Care | $25,000 - $100,000 | $100 | $25 - $44 | $30 - $65 | $66 - $152 |
| Safe Travels Elite | $25,000 - $175,000 | $0 | $25 - $71 | $36 - $110 | $105 - $150 |
| Venbrook Essential | $25,000 - $150,000 | $0 | $25 - $74 | $36 - $105 | $66 - $142 |
| Visit USA Budget | $50,000 - $150,000 | $250 | $30 - $49 | $42 -$74 | $81 |
| VisitorSecure | $50,000 - $130,000 | $100 | $31 - $55 | $46 - $84 | $93 - $135 |
| Travel Medical USA Visitor Basic | $50,000 - $150,000 | $100 | $39 - $47 | $56 - $68 | $178 - $196 |
The cost of comprehensive visitor insurance starts around $53 month, depending on the age of the traveler, coverage limits, deductible, and optional add-ons. Higher medical maximum plans including pre-existing condition benefits and lower deductibles are more expensive.
On average, a good comprehensive health insurance plan costs between $58 to $108 per month for a 35 year old traveler.
Following are the cost of best health insurance for visitors to USA per month for a $250 deductible.
| Plan name | Plan maximum | Age 35 | Age 55 | Age 75 |
|---|---|---|---|---|
| Atlas Essential America | $50,000 - $1,000,000 | $53 - $98 | $117 - $200 | $244 - $326 |
| Visitors Preferred | $50,000 - $1,000,000 | $53 - $99 | $123 -$231 | $244 |
| Patriot America Plus | $50,000 - $1,000,000 | $57 - $106 | $124 - $235 | $279 - $420 |
| Safe Travels USA | $50,000 - $1,000,000 | $57 - $103 | $123 - $227 | $244 - $321 |
| Venbrook Premier | $50,000 - $1,000,000 | $58 - $104 | $129 - $240 | $352 - $437 |
| Atlas America | $50,000 - $2,000,000 | $58 - $114 | $127 - $253 | $344 - $429 |
| Safe Travels USA Comprehensive | $50,000 - $1,000,000 | $66 - $122 | $143 - $269 | $285 - $455 |
| Atlas Premium America | $50,000 - $2,000,000 | $72 - $142 | $158 - $316 | $430 - $537 |
| SafeVista Comprehensive | $100,000 - $1,000,000 | $76 - $97 | $158 - $225 | $320 |
| Diplomat America | $50,000 - $1,000,000 | $81 - $142 | $176 - $303 | $342 |
| Travel Medical Choice | $50,000 - $1,000,000 | $98 - $173 | $186 - $333 | $736 - $1,000 |
| Patriot America Platinum | $1,000,000 - $8,000,000 | $108 - $226 | $240 - $494 | $604 |
| Visit USA Superior | $250,000 | $112 | $233 | $404 |
For a 60-year-old traveler, the cost of USA visitor insurance for 6 months typically ranges around $122 to $1,050, based different coverage options, medical needs, and traveler’s budget on American Visitor Insurance.
The best 6 month USA travel insurance is the one which is affordable, reliable and allows the traveler stress free.
| Feature | Fixed Benefit Plans | Comprehensive Plans |
|---|---|---|
| Plan Examples | Safe Travels Elite, Visitor Secure, Travel Medical USA Visitor Basic | Atlas America, Patriot America PlusSafe, Travels USA Comprehensive, Venbrook Premier |
| Type of Coverage | Fixed payouts per service (e.g., $300 for ER, $3,000 for surgery) | Pays for covered expenses up to the policy maximum after deductible/coinsurance |
| Policy Maximum | $25,000 – $175,000 (varies by plan) | $50,000 – $2,000,000 (varies by plan) |
| Deductible | Usually per incident or per period | Per policy period (e.g., $0–$2,500) |
| PPO Network | Can use any provider; no direct billing | Most plans offer PPO network & direct billing |
| Pre-existing conditions coverage | Not all plans offer coverage. Some offer coverage up to a specified limit | Some plans offer coverage, while some others offer coverage only for acute onset of pre-existing conditions |
| Best For | Budget travelers, short trips, minimal risk | Longer stays, higher risk, maximum protection |
Covers doctor visits in case of sudden injury or sickness.
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Some plans cover high school sports activities.
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Repatriation of remains expenses to home country in case of death.
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Expenses from sudden dental pain and accidental dental injuries.
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Some plans offer coverage for pregnancy, maternity and new born.
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Student insurance who need coverage for existing medical ailments.
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Most visitor insurance plans do not cover pre-existing medical conditions that means if you had any illness or health issue before buying the policy is typically excluded. However some specific plans in American Visitor Insurance like the INF Premier and INF Elite offer meaningful coverage for a range of pre-existing conditions. It’s important to compare plan types and review policy details carefully and use tools like our comparison feature to find the right coverage for your needs. Always check for coverage specifics, exclusions and network hospitals in California to ensure comprehensive protection during your visit.
For seniors visiting California it is important to have insurance that addresses age related health needs. Many plans are designed specifically for travelers over 70 or 80 years old. Find the plans offering coverage for hospitalization, emergency medical evacuation and sometimes even the acute onset of pre-existing conditions. Look for flexible policy lengths and higher maximums to ensure peace of mind during your stay. According to your needs American Visitor Insurance provide special plans such as...
Visitors Preferred: Up to $1,000,000 policy maximum and covers acute onset of pre-existing conditions for those under 70 with flexible deductibles.
Patriot America Plus: Up to $1,000,000 coverage it has available for travelers up to 99 years including with emergency evacuation.
INF Elite: Specifically covers pre-existing conditions for seniors aged 70 to 99 with up to $20,000 for eligible expenses.
Families traveling together can enjoy significant savings and streamlined coverage with family visitor insurance plans. These policies often allow you to add children at reduced rates and provide comprehensive protection for accidents, illnesses and emergency situations. Choose between fixed benefit plans for budget options and comprehensive plans for broader coverage. Best American Visitor Insurance family plans are...
Safe Travels USA Comprehensive: It covers up to $1,000,000 with family discounts and covers medical expenses along with emergency evacuation and trip interruption.
Atlas America: Up to $2,000,000 coverage with flexible deductibles and includes benefits for family transportation and emergency reunion.
Visitors Care: Up to $100,000 coverage and also children can be added it covers hospitalization, surgery, physician visits and prescriptions.
Group visitor insurance is ideal for organizations, tour groups and business members traveling together. These plans offer the convenience of a single policy for all members and often at discounted rates. Coverage includes medical emergencies, evacuation and sometimes trip interruption benefits which make it easy to manage large groups. Popular group plans from American Visitor Insurance are...
Atlas America Group Option: Up to $2,000,000 coverage it is available for groups of 10 or more and flexible duration and coverage.
Safe Travels USA Group Option: Up to $1,000,000 coverage and available for groups which covers medical emergencies and evacuation.
Patriot America Plus Group Option: Up to $1,000,000 coverage available for groups of 5 or more includes acute onset of pre-existing conditions.
Student visitor insurance is designed for international students studying in California. These plans provide essential medical coverage for illnesses and injuries. These plans including mental health, maternity and coverage for sports or activities. Flexible policy lengths match academic terms and plans are designed to meet school or visa requirements. Best student visitor insurance plans from American Visitor Insurance are...
Student Secure: Up to $500,000 coverage and designed for international students and covers medical expenses, mental health, maternity and sports injuries.
Safe Travels for Students: Up to $1,000,000 coverage and suitable for students and scholars which includes medical, evacuation and prescription drug benefits.
B-2 Visa: Most visitors to California from different countries entering on a B-2 tourist visa. There is no requirement for health insurance as a condition of entry for B-2 visa holders. However medical care in California is one of the most expensive in the world, so having visitor insurance is strongly recommended to protect yourself from unexpected medical bills.
J-1/F-1: If you are an exchange visitor (J-1) or student (F-1) then you must provide proof of health insurance that meets specific requirements including minimum coverage amounts for medical expenses, emergency evacuation and repatriation. Our American Visitor Insurance plans can help you meet these requirements with flexible options for students and scholars.
Schengen Visa: Travelers transiting through the California with a Schengen visa must show proof of travel medical insurance that covers medical expenses and emergency evacuation. We have the plans that satisfy these Schengen visa conditions.
Yes you can buy visitor insurance after arriving in California there are more plans in American Visitor Insurance which allows you to purchase coverage after arrival but some plans have eligibility restrictions based on age or time since arrival. So it’s best to buy insurance as soon as possible to ensure coverage for any unexpected events.
Consider your age, health, length of stay and budget. Compare plan types like fixed benefit vs. comprehensive, policy maximums, deductibles and coverage for pre-existing conditions. Use our comparison tool to find the best plan for your needs.
Yes, most of the visitor insurance plans from American Visitor Insurance covers for injuries from high risk activities such as skiing, snowboarding, parasailing and hang-gliding. Check your policy for specific activity exclusions.
Yes, our customer service team is available for 24/7 to help you with claims, network providers and any questions about your coverage and benefits.
Yes, most visitor insurance plans can be extended and renewed before the policy expires as long as you meet the plan’s eligibility requirements.
In an emergency seek care immediately. Most plans allow you to visit any licensed hospital and provider but using a PPO network provider may result in lower costs and direct billing.
Most plans become effective the day after purchase with no waiting period for most benefits. However some benefits like acute onset of pre-existing conditions may have short waiting periods but you will definitely get the coverage.
Yes, most visitor insurance plans from American Visitor Insurance provide coverage throughout the United States including all 50 states and sometimes even Canada or Mexico it depending on the plan you purchase.
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Travel medical insurance for seniors over 50 years
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Vacation insurance claims process.
FAQs about travel medical insurance for California.
Click here to read more »Blog about travel health insurance California.
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Learn More »You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, Travelex, INF insurance, HTH Worldwide and Venbrook International.
