Travel Insurance for Puerto Rico Residents Visiting the USA

Travel medical insurance for Puerto Rico residents visiting the USA starts from just $20/month, covering medical emergencies, hospital stays, senior parents, and pre-existing conditions. Compare A-rated US visitor insurance plans and get a free quote in minutes.

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Best Travel Insurance from Puerto Rico to the USA

  • Cheapest Puerto Rican 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 Puerto Rican 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 Puerto Rico to the USA in one place.
*Prices vary by age, travel duration, and coverage options.
flight About US Travel

Travel Insurance Puerto Rico to USA

Traveling from Puerto Rico to the mainland United States is common for tourism, business, education, and medical visits. While Puerto Rico is a U.S. territory, health insurance coverage can vary, and not all local plans provide full benefits across all states. This makes travel insurance an important safeguard for unexpected medical and travel-related expenses.

For any assistance you can call us at (877)-340-7910 or email us and we will be glad to help further.

Do Puerto Rico Residents Need Travel Insurance for the USA?

Yes, while not mandatory, travel insurance is strongly recommended.

  • Have limited provider networks in mainland USA
  • Require higher out-of-pocket costs outside Puerto Rico
  • Not fully cover emergency care or hospital stays
payments Pricing Guide

How Much Does Travel Insurance from Puerto Rico to the USA Cost in 2026?

Cheapest Visitor Health Insurance for Travelers from Puerto Rican to USA

The most affordable visitor health insurance 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.

Filter by age:
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 $84help
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 Puerto Rican to USA Travel

The best travel insurance cost for USA ranges from $58 to $353 per month.

The average cost of comprehensive travel insurance for the USA is based on one-month quotes with a $250 deductible.

Filter by age:
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 help
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 help
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 help
SafeVista Protect
INF Insurance
$100,000 - $1,000,000 $93 - $127 $215 - $248 $320 help
Diplomat America
Global Underwriters
$50,000 - $1,000,000 $125 - $214 $229 - $301 $353 help

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!

tune Price Factors

What Affects the Cost of Travel Insurance for Puerto Rico Residents?

1 Traveler’s Age
The cost of visitor insurance for Puerto Ricans in the USA increase with the age of the traveler. For example, someone in their 30s may pay $20/month for a fixed benefit plan or $60/month for comprehensive. While someone in their sixties typically pays about double, and prices rise even higher for older travelers.
2 Medical Maximum Coverage
Plans with higher coverage limits (e.g., $100,000 vs. $500,000) or lower deductibles generally cost more.
3 Deductible Amount
Plans with higher deductibles are generally cheaper but require you to pay more out of pocket in case of a claim.
4 Type of Coverage
Fixed benefit visitor insurance plans are cheaper but only pay set amounts for services but Comprehensive visitor insurance plans are more expensive provides broader coverage of medical expenses and emergencies.
5 Coverage for Pre-Existing Conditions
Visitor insurance for Puerto Ricans in the USA covering full pre-existing conditions or acute onset of existing medical conditions generally cost more.
6 Trip Duration
Longer trips usually increase the total cost of the policy
7 Optional Add-Ons
Emergency medical evacuation, adventure sports coverage, or higher personal liability can lead to increased premium.
stars Top Picks (2026)

Top Recommended Visitor Insurance Plans for Puerto Rico to USA Travel (2026)

Based on price, coverage limits, and traveler reviews, the following plans are the Travel Insurance for USA from Puerto Rico.

savings Cheapest Travel Insurance for USA from Puerto Rico
Safe Travels Advantage Trawick International
$20 / month for 40-year-old
  • 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
Other Affordable Travel Insurance for USA options include Explore our Top 5 Cheapest Travel Insurance for USA page for more budget-friendly choices.
warning Healthcare Costs in the USA

Cost of Healthcare in the USA Without Insurance

Healthcare in the United States is among the most expensive in the world. Without travel medical insurance, even a minor emergency can result in unexpectedly high medical bills for visitors.

A single illness or accident can quickly turn into a major financial burden, often impacting savings or creating long-term debt.

emergency
Emergency Room Visit
$2,000 – $5,000+

Initial assessment and treatment

bed
One Night Hospital Stay
$10,000 – $15,000+

Varies by hospital and care type

medical_services
Ambulance Transportation
$1,200 – $2,500+

Depending on distance and service

surgical
Emergency Surgery
$30,000 – $60,000+

Common urgent procedures without insurance

info These costs can vary significantly based on location, hospital, and severity of the condition. Most US hospitals require payment or a financial commitment before treatment.

Affordable USA Coverage from Less Than $1/Day

A small daily cost protects you from unexpected medical expenses in the USA.

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health_and_safety Why Travel Insurance Matters

Why Your Puerto Rico Health Plan Won't Cover You on the US Mainland?

Many Puerto Rico residents assume their local health coverage works on the mainland but in most cases it does not. Here is exactly why travel insurance is essential before you fly to the continental USA:

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Medicaid Does Not Cover Mainland USA Visits

Puerto Rico Medicaid (Mi Salud) is a territory-based program. It provides zero coverage on the US mainland. If you travel to New York, Miami, or Orlando and need medical care, you are completely uninsured unless you have travel insurance.

ecg_heart
Medicare Advantage Plans Have Very Limited Mainland Networks

Most Medicare Advantage (Part C) plans sold in Puerto Rico are HMO plans tied to island networks. On the mainland, they typically only cover emergency care not routine doctor visits, specialist referrals, or follow-up treatment. Original Medicare (Parts A & B) has broader coverage on the mainland, but still leaves significant gaps.

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Local Puerto Rico Health Plans Don't Work on the Mainland

Popular Puerto Rico health plans including Triple-S Salud, MCS Healthcare, and First Medical Health Plan are island-only networks. They do not have provider agreements with mainland US hospitals. A hospital visit in New York or Florida will be treated as fully out-of-network or uninsured.

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Puerto Ricans Commonly Travel to High-Cost US Cities

The most common mainland destinations for Puerto Rico travelers New York, Orlando, Miami, and Boston are among the most expensive cities in the USA for healthcare. A travel medical plan with a PPO network like UnitedHealthcare or FirstHealth can significantly reduce your out-of-pocket costs in these cities.

hub PPO Network Benefits

How PPO Networks Save Puerto Rico Travelers Money on US Hospital Bills?

This is one of the most underestimated benefits of US travel insurance and it is especially important for Puerto Rico residents visiting high-cost mainland cities.

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When you use a hospital within your travel insurance plan's PPO network, the hospital bills the insurer at pre-negotiated rates often 40–60% lower than standard rates. This means your deductible and co-pay applies to a much lower starting amount, saving you significantly even on costs you pay yourself.

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One of the largest hospital networks in the USA. Covers major hospitals in New York City, Miami, Orlando, and Boston the most common destinations for Puerto Rico travelers. Plans like Atlas International Premium use this network.
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Covers 5,000+ hospitals and 85,000+ physicians nationwide. Available through plans like Patriot America Plus. Particularly strong coverage in Florida and the Northeast popular regions for Puerto Rico visitors.
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Direct Billing, No Upfront Payment
In-network hospitals bill your insurer directly. You only pay your deductible and co-pay at the time of treatment no need to pay the full bill upfront and wait for reimbursement.
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Real Savings Example
An ER visit billed at $4,000 in NYC → PPO negotiated rate reduces to $2,200 → after a $250 deductible, your insurance pays $1,950. Without a PPO plan, you'd owe the full $4,000 minus only the deductible.
travel_explore Travel Guide for Puerto Rico Residents

Essential Guide for Puerto Rico Residents Traveling to the US Mainland

Traveling from Puerto Rico to the mainland USA is domestic travel no passport, no customs, no immigration. But there are a few important things to keep in mind:

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Real ID Now Required

US citizens flying to or from Puerto Rico now need a Real ID-compliant driver's license (marked with a gold star) or a valid US passport. Standard Puerto Rico driver's licenses without the star marking are no longer accepted at airport security.

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No Passport or Visa Required

Puerto Rico residents are US citizens no passport, visa, ESTA, or customs declaration is needed to fly to any mainland US state. Flights operate as domestic routes.

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Time Zone Differences

Puerto Rico operates on Atlantic Standard Time (AST) year-round and does not observe Daylight Saving Time. The mainland USA spans multiple time zones Eastern, Central, Mountain, and Pacific. New York and Miami are in the same time zone as Puerto Rico during winter, but 1 hour behind during summer (when EST switches to EDT).

payments
Currency & Banking

The USA uses the same currency US dollars. Your existing debit and credit cards work everywhere. Notify your bank before traveling if you plan to use your card heavily in a new state to avoid fraud holds.

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Language

Spanish and English are both official languages of Puerto Rico. English is the primary language on the mainland USA. In cities like New York, Miami, and Orlando there are large Spanish-speaking communities making communication easy for Spanish-only speakers.

thermostat
Climate Differences

Puerto Rico has a tropical climate year-round. Mainland destinations can vary dramatically New York and Boston experience cold winters, while Miami and Orlando are warm year-round. Pack accordingly, especially if traveling November through March to northern states.

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Health Insurance Coverage Gap

Your Puerto Rico Medicaid, Triple-S, MCS, or local health plan will not cover you on the mainland. Purchase travel medical insurance before departure plans start from $20/month and can be activated from the next business day.

gavel Visa Health Requirements

New US Health Requirements While Applying for US Visas

The US State Department has directed consular officers across different embassies to consider a visa applicant’s health condition in determining whether the applicant will become a ‘public charge’ of the United States, and therefore, deemed ineligible for a visa.

warning
Conditions such as diabetes, asthma, high blood pressure, cardiovascular disease, mental health issues, or obesity may be weighed more heavily during the visa assessment process.

To minimize the risk of visa rejection and demonstrate preparedness, travelers should purchase comprehensive travel medical insurance before applying for their US visa. Having valid travel medical insurance coverage shows that the applicant can manage any health expenses without becoming a ‘public charge’ or a financial burden during their stay in the U.S.

At American Visitor Insurance, we offer a range of travel medical plans that cover new illnesses, accidents, and acute onset of pre-existing conditions - ideal for visitors applying for U.S. visas.

info About USA

USA FlagGeneral Information About USA

location_city
location_on
Location
North America
attach_money
Currency
US Dollar (USD)
language
Language
English
groups
Population
~340 million
calendar_month
Best Time
Spring & Fall
bar_chart Travel Trends & Insights

Puerto Rico to USA Travel - Key Statistics and Insights

  • US citizens traveling domestically: Puerto Rico residents are US citizens travel to the mainland USA is classified as domestic travel, not international. There are no customs, no immigration, and no passport required.
  • Population size: Puerto Rico has approximately 3.2 million residents. The island has one of the highest rates of mainland USA travel of any US territory or state, driven by the large Puerto Rican diaspora on the mainland.
  • Most visited mainland destinations: New York, Orlando (Florida), Miami, and Boston are the most common mainland destinations for Puerto Rico travelers all of which are among the most expensive US cities for healthcare.
  • Healthcare coverage gap: An estimated 45% of Puerto Rico residents are enrolled in Medicaid (Mi Salud), which provides zero coverage on the US mainland making travel medical insurance essential for mainland visits.
Why Insurance Matters?

Puerto Rico's local health plans including Triple-S, MCS, and First Medical do not cover mainland USA hospitals. Travel insurance is the only protection Puerto Rico residents have when visiting the continental United States.

shield What's Covered

What Does USA Visitor Insurance Cover for Puerto Rico Travelers?

Travel medical insurance is essential for Puerto Rico residents visiting the USA mainland. Your local Puerto Rico health plan whether it is Triple-S Salud, MCS Healthcare, First Medical, or Medicaid will not pay for hospital visits, doctor visits, or emergency care on the continental USA. Travel insurance fills this gap by covering medical emergencies, hospital treatment, prescription drugs, medical evacuation, and repatriation of remains. Some plans also offer coverage for acute onset of pre-existing conditions and emergency dental care.

Coverage Type What It Typically Covers
Doctors Visit This coverage allows travelers to visit doctors for sudden, unexpected medical conditions, excluding pre-existing and preventive care, with Co-pay and deductible options that vary by US travel insurance plan, including $0 deductible and no Co-pay options.
Pharmacy Drugs Doctor prescribed eligible pharmacy drugs are also covered.
Visitors Medical Insurance for Pre-Existing Conditions Health insurance for tourists in the USA that covers pre-existing conditions is limited, but some plans-such as those from INF insurance provide coverage for inpatient, outpatient, urgent care, specialist, and doctor visits related to pre-existing conditions, which are medical ailments existing before the policy start date, including asthma, heart disease, high blood pressure, kidney disease, cancer, and diabetes.
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 Repatriation of remains coverage pays for returning the traveler’s remains to their home country in the event of death, with benefits depending on the selected tourist health insurance plan and coverage limits up to $50,000
Dental Coverage Emergency dental coverage up to $300 is available for acute onset of pain to natural teeth.
monitor_heart Pre-Existing Conditions

Medical Insurance for Puerto Rico Visitors to the USA With Pre-Existing Conditions

If you or your visiting family member has a medical condition, understanding what type of pre-existing condition coverage you need is the most important step before buying a 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 with acute onset of pre-existing conditions are Patriot America Plus, Atlas America, 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?

air
Visitor Insurance for Asthma

Compare visitors medical insurance that cover asthma attacks, flare-ups, and emergency treatment abroad.

Recommended Plans View Plans »
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Visitor Insurance for Arthritis

Find visitors health insurance that helps cover arthritis pain, joint issues, and sudden medical care while traveling.

Recommended Plans View Plans »
glucose
Visitor Insurance for Diabetes

Get visitors travel insurance for diabetes, including emergency care for sugar level complications while overseas.

Recommended Plans View Plans »
cardiology
Visitor Insurance for Heart Ailment

Choose travel insurance that covers heart problems such as chest pain, heart attack, or cardiac emergencies.

Recommended Plans View Plans »
labs
Visitor Insurance for Cholesterol

Protect against health risks from high cholesterol with visitor medical insurance covering related complications abroad.

Recommended Plans View Plans »
blood_pressure
Visitor Insurance for Hypertension

Find visitor health insurance that covers high blood pressure emergencies, strokes, or related complications while traveling.

Recommended Plans View Plans »
rule How to Choose the Right Plan

How to Choose the Best Visitor Insurance for Puerto Rico Residents in the USA?

Travel insurance is highly recommended for Puerto Rico residents visiting the US mainland. Medical costs are very expensive in the USA, and having suitable visitor insurance will provide protection in the event of an unplanned medical emergency. Remember your Puerto Rico Medicaid, Medicare Advantage, Triple-S, MCS, or First Medical plan will not cover you on the mainland.

Key factors to consider while choosing USA travel insurance for Puerto Rico residents:
  • Trip Duration: Different coverage options are available for short-term and long-term visits to the USA mainland.
  • Traveler's Age: Visitor insurance policies for senior travelers tend to be more costly and may have different terms for pre-existing conditions. Medicare Advantage plans in Puerto Rico only cover emergency care on the mainland seniors should consider a supplemental travel plan.
  • Coverage for Pre-Existing Conditions:
    • Particularly important for senior travelers or those with ongoing medical conditions.
    • Look for plans that cover acute onset of pre-existing conditions sudden, unexpected flare-ups.
    • Check the look-back period and coverage limits carefully.
  • Budget: Choose between a comprehensive plan for full protection or a budget fixed-benefit plan with higher out-of-pocket risk.

Additional Tips

  • Compare Medical Benefits: Look for plans that cover hospitalization, doctor visits, emergency medical treatment, and urgent care. Confirm the plan includes emergency medical evacuation.
  • Be Aware of Exclusions: Understand what is excluded from coverage chronic condition progression, congenital conditions, and elective treatment are typically not covered.
  • Read the Policy Details: Always read the complete policy details and compare multiple plans before selecting the plan that best fits your needs.
schedule Long-Term Travel Coverage

Long Stay in USA Travel Insurance - Find the Right Plan

Travelers planning to stay abroad for several months should consider long-term travel insurance, which is designed for extended stays and provides continuous medical coverage without the need to purchase multiple short-term plans.

This option is ideal for any travelers staying overseas for more than six months, offering better value, broader benefits, and peace of mind throughout the journey.

Not sure how long you're staying? Compare plans by duration: Travel Insurance for Parents Visiting USA for 3 Months from $117 ,Travel Insurance for Parents Visiting USA for 6 Months from $230.

help Common Questions & Answers

Travel Insurance in the USA for Foreigners FAQ's

While it's not a legal requirement, having US travel insurance is highly recommended for Puerto Rico travelers visiting the United States. Medical care in the USA can be very expensive, and US travel health insurance provides a safety net in case of medical emergencies.

There are US insurance providers whose products are available on American Visitor Insurance with policies tailored to Puerto Rico and other international travellers visiting the USA. These travel health insurance policies can be compare and bought online easily on American Visitor Insurance and they are designed specifically for international travellers.

Yes. Visitors, tourists, students, and others can all buy travel health insurance in the US. We recommend the travel insurance for visitors from Puerto Rico be purchased from the day they leave their home country until they return, however, most companies allow you to purchase it even after the traveler has already started their journey.

Visitor or travel medical insurance is for unexpected medical expenses while on your trip. Many travel insurance for Puerto Rico visitors plans also cover baggage loss/ delay, trip delays, and have other benefits to help travelers with unexpected problems (loss of documents, etc).

Since they are meant to be used in an emergency, you can use any doctor/hospital. In a non-emergency situation, you should consult your documentation and try to stay in-network (if applicable) while in the US since this will likely help defray your out-of-pocket cost.

Visitor insurance USA is travel insurance that can be purchased for travel in the US and for travel outside one’s home country. Visitors Insurance provides coverage for unexpected health care expenses due to accident or sickness while traveling. Puerto Rico Travelers can compare and buy the best US travel insurance plans at American Visitor Insurance.

Often health insurance from a home country will not cover you while you are traveling in a different country. If you are in a country with high medical costs such as the US, Canada, or Japan, you should consider purchasing US travel insurance in case you should need any medical care.

The travel insurance for Puerto Rico tourists will help defray costs and also often has many travel benefits (trip delay, trip interruption, baggage loss) that will also assist a traveler in getting back on track with their trip.

travel_explore Travel Requirements

Travel Requirements for Puerto Rico Residents Flying to the USA Mainland

What Puerto Rico Residents Need to Know Before Flying to the USA

As US citizens, Puerto Rico residents have the right to travel freely to any mainland US state no passport, no visa, no ESTA, and no customs declaration is required. Flights between Puerto Rico and the mainland operate as domestic routes.

However, since May 2025, all domestic US flights now require a Real ID-compliant document at airport security. Make sure you have one of the following before traveling:

  • A Real ID-compliant Puerto Rico driver's license (marked with a gold star)
  • A valid US passport or passport card

It is strongly recommended to purchase travel insurance starting from your departure date from Puerto Rico, not your arrival on the mainland. This ensures protection throughout your journey, including flights and any layovers.

Travel Insurance Tips for Puerto Rico Residents Visiting the USA

  • Start your coverage from your departure date from Puerto Rico
  • Insurance applies during flights and layovers
  • You can still purchase some plans after arriving on the mainland
  • Coverage typically begins on the policy's effective date
  • Pre-existing conditions are generally covered only if the policy is purchased before departure
  • Your local Puerto Rico health plan (Triple-S, MCS, Medicaid) does not cover you on the mainland
payments Cost & Coverage Guide

U.S. Travel Insurance Cost and Coverage Guide for Puerto Rico Residents

Choosing the right travel insurance can feel confusing with so many options. Here is a simple example showing how a typical Puerto Rico resident might select a suitable US visitor insurance plan including recommended coverage and average cost.

Example: Puerto Rico Family Traveling to New York City

Couple aged 55 traveling for 3 weeks, including visits to family in the Bronx and sightseeing in Manhattan.

  • Recommended Coverage: $150,000 with $0 deductible and emergency medical evacuation important for New York City's high hospital costs
  • Estimated Cost: Starting around $90–$168 per month for a comprehensive plan at age 55
  • Longer Trips (5–364 days): Consider plans that cover acute onset of pre-existing conditions and offer extended duration
💡 Tip: Costs vary based on traveler age, trip length, and coverage limit. Compare multiple plans to find the best fit for your mainland visit.

Compare U.S. Visitor Insurance Plans →

location_on Already in the USA?

Have You Already Arrived on the US Mainland?

If you are a Puerto Rico resident who has already traveled to the mainland, you might be wondering:

help

Can I still buy travel insurance after I have already left Puerto Rico?
Yes, you can purchase travel insurance even after arriving on the US mainland.

Many insurance providers allow visitors to purchase coverage even after beginning their trip:

  • Coverage begins from the policy effective date, not your departure date
  • Any new illness or injury after the start date may be eligible for coverage

Important Things to Know

  • Pre-existing conditions are generally not covered if you buy after departure
  • Some plans may offer limited coverage for acute onset of pre-existing conditions
  • Availability and benefits vary depending on the insurance provider and plan

To understand how post-departure coverage works, explore our detailed guide on buying travel insurance after arrival in the USA.

For personalized assistance, contact American Visitor Insurance at 877-340-7910.

check_circle
What IS Covered After Arrival
  • New illnesses starting after policy effective date
  • New injuries or accidents
  • Emergency doctor visits
  • Hospital stays for new conditions
  • Emergency medical evacuation
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What is NOT Covered After Arrival
  • Pre-existing conditions (generally excluded)
  • Conditions with symptoms before policy start
  • Routine or preventive care
  • Conditions diagnosed before purchase
shield Border Entry Protection

Traveling to the USA Mainland? Stay Protected Against Any Travel Disruptions!

Although Puerto Rico residents travel as US citizens, flight delays, cancellations, and travel disruptions can still occur. Our travel disruption visitor insurance covers unexpected delays and related travel costs. Protect your US mainland travel investment with specialized coverage available on American Visitor Insurance.
flight_takeoff Flight Connections & Entry Points

Flights from Puerto Rico to the USA - Airports and Routes

  • Departure Airports in Puerto Rico
    Most Puerto Rico travelers depart from Luis Muñoz Marín International Airport (SJU) in San Juan Puerto Rico's main international airport and primary hub for all mainland USA flights. Smaller regional airports include Rafael Hernández Airport (BQN) in Aguadilla and Mercedita Airport (PSE) in Ponce, which offer some direct mainland connections.
  • Popular US Mainland Arrival Airports:
    Direct flights from Puerto Rico commonly arrive at major US hubs including:
    • John F. Kennedy International (JFK) / Newark (EWR) / LaGuardia (LGA) New York City, the most popular destination for Puerto Rico travelers due to the large Puerto Rican community in the Bronx, Brooklyn, and Manhattan.
    • Orlando International Airport (MCO) one of the most frequent direct routes from San Juan, popular for tourism and family visits.
    • Miami International Airport (MIA) major hub with high frequency of Puerto Rico flights.
    • Boston Logan International (BOS) popular destination with a significant Puerto Rican community in Massachusetts.
  • Direct Flight Options
    Airlines including American Airlines, JetBlue, United, Spirit, and Frontier operate frequent direct flights between San Juan (SJU) and major US mainland cities including New York, Orlando, Miami, Boston, Chicago, Philadelphia, and Atlanta.
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Travel Tip for Insurance Coverage: Make sure your US visitor insurance plan begins from your departure date from Puerto Rico so you are covered during your entire journey including any layovers and the flight itself. Your local Puerto Rico health plan does not cover you once you leave the island.
support_agent Useful Contacts

Useful Contacts & Resources for Puerto Rico Residents in the USA

As US citizens, Puerto Rico residents do not have an embassy or consulate in the USA. However, the following contacts are useful for emergencies and assistance during your mainland visit:

Puerto Rico Federal Affairs Administration (PRFAA)

Purpose

Represents Puerto Rico's interests on the US mainland and assists Puerto Rico residents with federal matters.

New York Office
135 West 50th Street
New York, NY 10020

Washington DC Office
1100 17th Street NW
Washington DC 20036

Website
prfaa.pr.gov

Emergency Contacts on the US Mainland

  • Emergency Services: 911 (same as Puerto Rico)
  • Non-emergency police: 311 (available in most major cities)
  • Poison Control: 1-800-222-1222
  • Social Security Administration: 1-800-772-1213
  • American Visitor Insurance: 877-340-7910 (insurance assistance 24/7)

Note: As US citizens, Puerto Rico residents have full access to all US federal services, hospitals, and emergency assistance on the mainland no consular assistance is required.

support_agent Información en Español

Para clientes que hablan español Seguro de salud para Puerto Rico en español

¿Está pensando en unas vacaciones en los Estados Unidos? No se olvide de protegerse con un seguro de salud en caso de enfermedad súbita o accidente. Los gastos médicos en los Estados Unidos pueden ser extraordinariamente altos. El uso de un plan de seguro estadounidense tiene muchas ventajas, incluiendo reembolso en dólares estadounidenses y pago directo al proveedor.
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Pre-existing Coverage

Best Pre-existing condition travel insurance to USA for Puerto Ricans.

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Senior Travel Insurance

Visitor health insurance USA for elderly travelers from Puerto Rico.

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Annual Travel Insurance

Best yearly travel insurance for Puerto Ricans citizens visiting USA.

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Green Card Holders

Best medical insurance for new Green Card immigrants from Puerto Rico.

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Puerto Rican Travel Insurance For USA Information

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Travel Insurance from Puerto Rico to USA Resources

International travel insurance resources for Puerto Rican travelers visiting the USA.

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Factors for Puerto Rico to USA Travel Insurance Online

Important factors when choosing travel insurance from Puerto Rico to the USA.

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Types of Puerto Rico to USA Travel Insurance

Different types of travel insurance coverage options for Puerto Rican travelers to USA.

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Puerto Rico to USA Travel Insurance Claims Procedure

Step-by-step process for filing USA travel insurance claims during medical emergencies.

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USA Visitor Insurance Blogs

Expert insights to help you choose the right visitor insurance for the USA.

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Short-term Travel Insurance for 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.

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Travel Insurance with Pre-Existing Conditions: What You Need to Know

Understand how coverage works for pre-existing conditions, including acute onset benefits, eligibility, and plan options designed for visitors to the USA.

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Travel Insurance for Seniors Visiting the USA

Explore visitor insurance plans designed for seniors aged 60+, with coverage for medical emergencies, hospitalization, and age-related health risks.

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Best Travel Insurance for Parents Visiting the USA

Find the right visitor insurance plans for parents traveling to the USA, including coverage for medical emergencies, hospitalization, and pre-existing conditions.

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Traveling to the USA?

Compare top travel medical insurance plans and get covered in minutes.

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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.

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AMERICAN VISITOR INSURANCE®

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