Health Insurance for German tourists in USA
Visiting the USA from Germany on a B2 tourist visa? Healthcare in America is extremely expensive, with a single emergency room visit costing over $10,000. Most German health insurance plans do not provide coverage in the USA. Compare affordable tourist insurance USA for Germany travelers starting at less than $1 per day and buy coverage online in just minutes.
Which Travel Insurance Is Best for Germany Travelers to the USA?
- Cheapest Germany Travel Insurance to USA - Safe Travels Advantage from $20/month* (fixed benefit)
- Best Comprehensive Visitor Insurance - Atlas America up to $2M coverage + UnitedHealthcare PPO Most Popular
- Best Insurance for German parents - Patriot America Plus covers acute onset of pre-existing conditions
- Best Travel Insurance for Seniors (70+) - Safe Travels USA Comprehensive coverage available up to age 89
- Pre-Existing Condition Coverage (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 from Germany to the USA in one place.
Can German tourists Get Health Insurance on a B2 Visa in the USA?
Yes. German tourists visiting the United States on a B1/B2 tourist visa can purchase short term visitor health insurance for coverage during their stay in America. These plans help cover unexpected medical expenses such as emergency room visits, hospitalization, urgent care, prescription medications, and emergency medical evacuation.
On American Visitor Insurance travelers can compare affordable tourist health insurance for USA plans from trusted providers like IMG, WorldTrips, Global Underwriters, Trawick International, Travel Insurance Services and INF. International travel insurance for tourists from Germany to USA are available immediately online and can be purchased before departure or even after arriving in the USA.
How Much Does Travel Insurance from Germany to USA Cost?
Cheapest Visitor Health Insurance for Travelers from Germany to USA
The most affordable visitor health insurance for the USA starts from $20 per month with options up to $191 per month.
The average cost of fixed benefit visitor travel insurance for the USA is calculated based on one-month quotes.
| Plan Name | Max Coverage | Deductible | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|---|
| Safe Travels Advantage Trawick International |
$25,000 - $150,000 | $0 | $20 - $58 | $39 - $102 | $60 - $166 |
| Visitors Care IMG |
$25,000 - $100,000 | $100 | $25 - $47 | $40 - $75 | $66 - $152 |
| Safe Travels Elite Trawick International |
$25,000 - $175,000 | $0 | $26 - $76 | $50 - $134 | $109 - $155 |
| Visit USA Budget Travel Insurance Services |
$50,000 - $150,000 | $250 | $32 - $56 | $49 - $86 | $84 |
| VisitorSecure WorldTrips |
$50,000 - $130,000 | $100 | $34 - $62 | $55 - $76 | $96 - $139 |
| Travel Medical USA Visitor Basic Seven Corners |
$50,000 - $150,000 | $100 | $42 - $52 | $79 - $94 | $173 - $191 |
Cost of Comprehensive Visitor Insurance for Germany to USA Travel
The best travel insurance cost for the USA ranges from $58 to $470 per month.
The average cost of comprehensive travel insurance for the USA is based on one-month quotes with a $250 deductible.
| Plan name | Max Coverage | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|
| Atlas Essential WorldTrips |
$50,000 - $1,000,000 | $58 - $109 | $131 - $266 | $263 - $328 |
| Safe Travels USA Cost Saver Trawick International |
$50,000 - $1,000,000 | $71 - $117 | $139 - $250 | $237 - $299 |
| Patriot America Lite IMG |
$50,000 - $1,000,000 | $72 - $130 | $153 - $289 | $252 - $337 |
| Atlas America WorldTrips |
$50,000 - $2,000,000 | $78 - $154 | $177 - $378 | $355 - $444 |
| Patriot America Plus IMG |
$50,000 - $1,000,000 | $77 - $139 | $164 - $311 | $287 - $434 |
| Travel Medical Basic Seven Corners |
$50,000 - $1,000,000 | $80 - $138 | $167 - $314 | $252 - $337 |
| Safe Travels USA Comprehensive Trawick International |
$50,000 - $1,000,000 | $90 - $168 | $172 - $351 | $294 - $470 |
| SafeVista Protect INF Insurance |
$100,000 - $1,000,000 | $93 - $127 | $215 - $248 | $320 |
| Diplomat America Global Underwriters |
$50,000 - $1,000,000 | $125 - $214 | $229 - $301 | $353 |
Prices verified for the 2026 travel season · Source: American Visitor Insurance®
Six-Month Medical Insurance Cost for Visitors to the USA
For a 60 year old traveler, the cost of USA visitor insurance for 6 months typically ranges around $122 to $1,050, based on 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 to stay stress free.
From ER visits to urgent care, stay covered for 6 months in the U.S. starting from just $1.50/day!
Top Travel Insurance from Germany to USA (2026)
Based on price, coverage limits, and traveler reviews, the following plans are the Travel Insurance for USA from Germany.
- check_circle Deductible: $0 only (no higher deductible options)
- check_circle Maximum coverage: up to $150,000
- check_circle Pre-existing: acute onset covered up to age 89
- check_circle PPO network: First Health PPO - direct billing available
- check_circle Evacuation: unlimited emergency medical evacuation
- Visitors Care from IMG
- Visit USA Budget from Travel Insurance Services
- Travel Medical USA Visitor Basic from Seven Corners
- check_circle Deductible: $0 to $5,000
- check_circle Maximum coverage: up to $2,000,000
- check_circle Pre-existing conditions: acute onset covered up to age 80
- check_circle PPO network: UnitedHealthcare - the largest PPO network
- check_circle Maternity: covers complications of pregnancy in first 26 weeks
- Patriot America Plus from IMG
- Travel Medical Basic from Seven Corners
- Safe Travels USA Comprehensive from Trawick International
Why German tourists Need Health Insurance in the USA
The United States has the most expensive healthcare system in the world. Most German health insurance plans and government healthcare programs do not provide coverage inside America.
The Germany’s national health system and most Germany medical insurance plans do not provide coverage with healthcare providers in the USA. Without US tourist health insurance for Germany travelers, visitors may be responsible for paying the full cost of medical treatment out of pocket.
A single emergency room visit in the USA can cost between $1,500 and $3,000, while hospital stays may range from $3,000 to over $10,000 per night. Tourist medical insurance for Germany visitors to the USA helps reduce unexpected out-of-pocket expenses.
Travel medical insurance for German tourists can include emergency medical evacuation benefits. If a traveler requires transportation to another hospital or back home due to a medical emergency, evacuation costs can exceed $25,000 without insurance.
Many Germany travelers visit family members in Florida, New York, Texas, and New Jersey. Medical insurance for German parents visiting the USA can help protect families from unexpected healthcare costs during the visit.
Whether visiting for tourism, vacations, family gatherings, or special events, accidents and illnesses can happen unexpectedly. Short-term health insurance for Germany visitors to the USA provides financial protection during temporary stays in America.
Many top tourist insurance plans for Germany travelers offer 24/7 emergency assistance services, helping travelers access medical support and guidance while visiting the USA.
What Happens If a Germany Tourist Gets Sick in the USA Without Insurance?
Without health insurance for tourists in USA from Germany, even a routine medical issue in the US can result in a bill that exceeds the cost of your entire trip.
Buying Short term health insurance for Germany visitors to USA through American Visitor Insurance helps reduce financial risk and provides protection against high medical costs while traveling in America. Have questions? Call us at 877-340-7910 for free assistance.
$1,500+
Ambulance Ride
Within the same city$3,000+
Single ER Visit
Without admission$10,000+
Per Night In Hospital
ICU can be $30,000/night$150K+
Heart Attack Treatment
Including surgery & recovery$7,500+
Broken Bone / Cast
ER + ortho + follow-up$25,000+
Medical Evacuation
Air transport homeThese costs can vary significantly based on location, hospital, and severity of the condition. Most US hospitals require payment or a financial commitment before treatment.
What Does Tourist Visa Insurance in USA from Germany Cover?
Understanding what US medical insurance for tourists from Germany covers and what it does not can help Germany travelers avoid unexpected medical expenses while visiting the USA.
What Is Usually Covered?
Most tourist health insurance USA for Germany travelers includes coverage for:
- check_circleEmergency room visits and urgent medical treatment
- check_circleHospital stays, surgery, and specialist care
- check_circlePrescription medications related to covered illnesses or injuries
- check_circleDiagnostic tests such as X-rays, CT scans, MRIs, and lab work
- check_circleEmergency medical evacuation and repatriation
- check_circleAccidental death and dismemberment (AD&D) benefits
- check_circleAcute onset of pre-existing conditions (up to plan limits)
- check_circleCOVID-19 treatment in many comprehensive plans
- check_circleLimited dental emergencies caused by accidents or sudden pain
- check_circle24/7 emergency assistance and telehealth support
What Is Usually Not Covered?
Most US medical insurance for tourists from Germany do not cover:
- cancelElective or planned procedures
- cancelMaternity care and childbirth unless specifically included
- cancelMental health treatment in many basic plans
- cancelVision exams, eyeglasses, or hearing aids
- cancelInjuries from extreme sports without additional sports coverage
- cancelInjuries related to alcohol or drug use
- cancelTrip cancellation or lost baggage coverage unless purchased separately
Comprehensive vs Fixed Benefit Travel Health Insurance for The USA
| Feature | Comprehensive tourist insurance USA for Germany | Fixed benefit visitor insurance from Germany to USA |
|---|---|---|
| Coverage basis | Reimburses actual medical expenses up to policy maximum | Pays a fixed amount per service |
| Example | $25,000 hospital bill - you pay deductible ($250), insurance pays remaining $24,750 | Pays fixed amount (e.g., $500/day for hospitalization) regardless of actual bill |
| Out-of-pocket cost | Lower, since actual costs are covered (after deductible) | Higher, if medical costs exceed fixed payout amounts |
| Coverage adequacy in USA | Strong protection against high hospital costs | May leave large coverage gaps |
| Recommended for USA travel | Yes, strongly recommended | Not ideal for USA due to high medical costs |
lightbulb Important: Comprehensive visitor insurance plans usually provide better coverage for travel to the USA than fixed benefit plans. Comprehensive plans can cover eligible medical expenses up to the policy maximum, while fixed benefit plans pay limited scheduled amounts for specific services, which may result in higher out-of-pocket costs due to expensive US healthcare.
How to Buy Visitor Medical Insurance USA for Germany Travelers?
Buying US tourist health insurance for Germany travelers on American Visitor Insurance is quick, secure, and completely online. You can purchase coverage before traveling to the USA or even after arriving in America.
When Should You Buy Visitor Insurance?
It is best to buy tourist visa health insurance before departing from Germany so your coverage begins as soon as you arrive in the USA. Plans purchased after arrival will not cover medical conditions that started before the policy effective date.
Provide your travel dates, destination, age of the traveler, and coverage requirements to view available travel medical insurance for visitors to USA plans.
Review tourist health insurance plans side by side. Choose your coverage amount ($50K - $8M), deductible ($0 - $25,000), and plan type. Compare plans by price, coverage, and benefits to find the best option for your USA trip.
Choose the best health insurance for tourist visa holders from Germany plan that fits your budget and travel needs, then securely complete your purchase online. Insurance documents and ID cards are emailed immediately after purchase.
If you need medical treatment while visiting the USA, contact the insurance company’s 24/7 assistance team for help finding doctors, hospitals, and emergency support services.
Does Tourist Insurance From Germany to USA Cover Pre-Existing Conditions?
Most tourist insurance plans from Germany to the USA cover the acute onset of pre-existing conditions, but do not cover ongoing or routine treatment of pre-existing conditions.
If you or your visiting family member has a 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).
Which Pre-Existing Conditions Are Covered by US Travel Insurance?
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
Frequently Asked Questions - Tourist Insurance USA from Germany
Best Travel Insurance for Seniors from Germany to the USA
Whether you're traveling from Germany to the USA to visit your children and grandchildren, celebrate a family occasion, or enjoy an extended holiday, having the right travel insurance for seniors from Germany to the USA is essential. As people age, the likelihood of requiring medical care increases, and even a routine doctor's visit, emergency room treatment, or hospitalization in the USA can be expensive. Since Germany health insurance generally does not provide coverage in the USA, visitor medical insurance helps protect against unexpected healthcare costs.
When choosing travel insurance, seniors should look beyond the premium and compare the medical coverage limit, deductible, PPO provider network, emergency medical evacuation benefits, and coverage for eligible pre-existing medical conditions. Seniors over age 70 or those with existing health concerns should consider plans with at least $100,000 to $250,000 in medical coverage, while travelers with more complex medical needs or longer stays may benefit from $500,000 or higher coverage limits. Also, check the plan's maximum eligibility age and whether coverage can be extended if your travel plans change.
Explore the Best Travel Insurance for Seniors from Germany to USA to compare senior-friendly visitor insurance plans, understand coverage options, and choose the right protection for your age, health, and trip duration.
Family Travel Insurance for USA from Germany
Traveling to the USA with your family is a wonderful opportunity to create lasting memories, whether you're visiting relatives, exploring world famous attractions, or enjoying a family vacation. Many families from Germany visit popular destinations such as New York City for sightseeing and shopping, California for Disneyland and its beautiful beaches, and Miami for its beaches, cruises, and family friendly attractions.
When traveling with children, parents, or grandparents, it's important to choose insurance that protects every member of your family against unexpected medical emergencies. US family travel insurance from Germany can help cover eligible medical expenses, hospitalization, emergency medical evacuation, and other covered benefits, allowing you to enjoy your trip with greater peace of mind.
For families traveling with children or adults, popular comprehensive medical insurance plans such as Atlas America, Patriot America Plus, and Safe Travels USA Comprehensive offer excellent medical coverage. If your trip includes senior parents or grandparents, consider INF Premier X Insurance and INF Elite X Insurance, which are designed for older travelers, available for visitors up to age 99, and include coverage for eligible pre-existing medical conditions, making them a popular choice for senior family members visiting the USA.
Compare the Best Family Travel Insurance for USA from Germany to find the right plan based on your family's ages, trip duration, budget, and healthcare needs.
Where Can I Buy the Best Travel Insurance for USA from Germany?
You can buy the best Germany travel insurance to USA easily through American Visitor Insurance, a trusted platform specializing in travel medical insurance for international visitors to the United States.
Why Buy Through American Visitor Insurance?
American Visitor Insurance makes it simple for travelers from Germany to compare multiple travel medical insurance plans side by side. You can review coverage details, policy benefits, and pricing in one place and securely purchase your plan online within minutes.
The website offers detailed FAQs, blogs, and travel insurance guides based on real customer questions, helping Germany travelers clearly understand their options and choose the best insurance plan for their USA trip.
Best price guaranteed - no extra fees. Get an instant quote and purchase coverage online quickly and hassle-free, with pricing you won’t find lower elsewhere for the same coverage.
With over 20 years of experience in the U.S. visitor insurance industry, the licensed support team can answer questions, explain coverage details, and help travelers from Germany choose the right plan for their specific travel needs.
With customer support available across both East and West Coast U.S. time zones, assistance is provided during the application process and even with claims while travelers are in the United States.
American Visitor Insurance is a licensed U.S.-based insurance provider (NJ License #1181604), offering Germany travelers a reliable and secure way to purchase travel insurance online.
USA Visitor Insurance Blogs
Expert insights to help you choose the right visitor insurance for the USA.
Compare top-rated temporary health insurance plans from leading providers with real pricing and coverage details. Find the right plan for your travel needs, whether short-term or long stay.
Read More →Understand how coverage works for pre-existing conditions, including acute onset benefits, eligibility, and plan options designed for visitors to the USA.
Read More →Explore visitor insurance plans designed for seniors aged 60+, with coverage for medical emergencies, hospitalization, and age-related health risks.
Read More →Find the right visitor insurance plans for parents traveling to the USA, including coverage for medical emergencies, hospitalization, and pre-existing conditions.
Read More →Traveling to the USA?
Compare top travel medical insurance plans and get covered in minutes.
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.