Travel Insurance for USA, USA Travel Insurance

Travel insurance quote form

Do you want to insure trip cost as well as the health of the traveler?

     
     

Please click here to buy Travel Insurance for Quarantine coverage

Traveler's residence
Travelers (Age)
Trip cost($)/person

Destination
Trip start date
Trip end date

Travel insurance with trip protection coverage - Highlights

Trip cancellation

Reimbursement for loss of pre-paid, non-refundable payments.

Medical evacuation

Transportation to or between hospitals as needed.

Trip delay

Reimbursement of food and lodging expenses due to delay in travel.

Lost baggage

Pays sum for lost or delayed luggage by airline.

Medical expenses

Covers cost of treatment for sickness or injury during your vacation.

Age & Citizenship
Child
Residence
Destination
Start date
End date

Travel medical insurance with no trip protection - Highlights

Health care expenses

Covers medical costs for sickness or accidents during travel.

Doctor visit

Covers cost of clinic or doctor visit.

Pharmacy drugs

Expenses from doctor prescribed eligible medications.

Medical evacuation

Transportation to or between hospitals as needed.

Repat of remains

Return of moral remains to home country or local burial.

US travel insurance for Coronavirus

The US insurance providers who offer US Visitors insurance coverage for coronavirus are:

Trawick International Insurance:

Trawick International offers visitor medical insurance for coronavirus (covid-19) with their Safe Travels USA Insurance. Note that you must pre-certify in the case of covid-19 coverage (that is, you call the insurance company first before seeking testing or treatment). There are four Safe Travels USA plans. One is a fixed plan, and the other three are comprehensive plans. The plan called Safe Travels USA Comprehensive is the best plan for persons with pre-existing medical conditions even if over the age of 70.You can compare all the plans at this site and buy them by choosing the "buy now" button under the name of whichever plan you are interested. You can compare Safe Travels USA Insurance plans You can access all the details, brochure, etc of each policy by clicking on the "Details" hotlink underneath the policy name for each policy.

International Medical Group (IMG) Coronavirus insurance:

International Medical Group (IMG) travel insurance offers coronavirus insurance for USA. IMG's Patriot America Plus and Patriot Platinum insurance plans cover COVID-19 like any other illness. The Patriot America Plus Insurance and Patriot America Platinum insurance include COVID coverage up to the policy maximum.

INF travel insurance:

INF Insurance is another company that offers visitors health insurance for coronavirus in the US, Canada and Mexico. They have consistently said they will cover covid-19 as any other illness. One of their plans (Elite) has excellent coverage of pre-existing medical conditions beyond the usual coverage for "acute onset" of pre-existing conditions which is a unique offering. You can compare their plans using this link and purchase the one you are interested in by choosing the "buy now" button for the appropriate plan: Please note that the Elite Network insurance and Premier Insurance are cheaper per month if you purchase at least 90 days the first time you buy them. You can compare all available INF US visitor insurance.

Seven Corners Covid visitors insurance:

Liaison Travel Plus Insurance offers best Seven Corners covid health insurance for visitors to USA. The Sevencorners coronavirus visitor insurance treatment benefit is available for COVID-19 (the disease); SARS-Cov-2 (the virus); and any mutation or variation of SARS-CoV-2.

World Trips

Atlas travel insurance with coronavirus coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.
Note that Atlas plans purchased on or after July 15, 2020 do NOT exclude COVID-19 medical charges.

Global Underwriters:

Diplomat America Insurance offers coverage for covid-19 as a new sickness. It is available for Non-US citizens or residents travelling to the US. If Covid19 is pre-existing, then it's excluded. That is if the travelers is infected before the plan effective date, the travel insurance will treat it as pre-existing and will not offer coverage for it.
Trawick
Trawick International Covid19 travel insurance for USA Safe Travels USA Insurance offers coverage for coronavirus
  • Available for travelers to the USA who are not US Citizens, US Residents or Greencard Holders
seven corners logo
Seven Corners Coronavirus US travel insurance Travel Medical plus insurance offers coverage for Covid19 infection.
  • Available for Non US citizens traveling to the US.
WorldTrips
WorldTrips Covid19 USA visitor insurance Atlas travel insurance offers coverage for coronavirus disease.
  • Available for Non US citizens traveling to the US.
IMG
IMG Covid19 travel Insurance Patriot America Plus and Patriot Platinum offers Covid19 insurance for travel.
  • Non US citizens traveling individually or in groups to the USA
  • Non US citizens travelling outside their home country
Global
Global Underwriters Coronavirus travel insurance USA Diplomat America insurance offers coverage for Covid19 sickness
  • Available for Non-US citizens or residents travelling to the US.
  • Available for Non-US citizens or residents travelling to the US.

Travel medical insurance for USA

USA is one of the most popular and favorite tourist destinations in the world. The country has seen a significant rise in the arrival of international visitors during the past two decades from around 40 million in 2003 to close to 80 million in 2018. The immediate neighbors Canada (21 Million) and Mexico (18 million) account for nearly half of all inbound visitations to the US. The other countries with the highest number of US visitors are the United Kingdom (4.6 million) , Japan (3.5 million), China (2.9 million) , South Korea (2.2 million) , Brazil (2.2 million) , Germany (2 million) , France (1.7 million) , India (1.3 million) , Australia (1.3 million) and Italy (1.0 million).

US Health Care costs

While visiting the US can be a wonderful experience, tourists must be aware of expensive US healthcare costs. A sudden sickness or injuries due to accident can force travelers to visit a physician or a hospital which can be financially traumatic if they do not have travel insurance for USA. While the medical treatment in the US is best and sophisticated, it is also very expensive. When compared to other countries, the cost of visiting a physician in the US is very high. Therefore it is advisable to buy adequate and good travel medical insurance to USA.

The Trump administration has issued a proclamation that from November 2019, the US government will insist on adequate US immigrant health insurance without which immigrant visas to enter the US will be denied. While this rule is applicable only for those applying for immigrant visas, we are getting customer calls that the US consulates are insisting on proof of short term travel health insurance for visitors to USA.

Given the very high cost of US healthcare, it is strongly recommended to buy proper US travel health insurance even while visiting the US for a short visit. US bound travelers can buy US travel health insurance on American visitor insurance and they will receive a policy immediately by email. They can use this travel insurance document as proof of US health insurance while applying for the visa.

Importance of travel insurance for USA

Healthcare in the US is expensive: The US has one among the world class medical facilities and is also expensive. The cost of an average hospital is over $2,500 per day in the US. The cost is high and alarming throughout the U.S. It is very traumatic when a visitor travelling for a short period of time needs to pay a huge bill in case of an unforeseen injury or illness. Therefore it’s important to buy travel health insurance. In case of any sudden injury or illness visitors need a good US travel health insurance to be able to cover the expenses. Without which travelers may face a massive financial burden.

Protection for entire family - A travel medical insurance can be purchased individually, however if the family is traveling, travelers can purchase an insurance covering the family in one policy. Any illness or injury faced by the insured family members will be covered during the trip.

A support system for travelers in a new country – Travelling to an unknown country sometimes can be very stressful. If there is a need for medical assistance in the US, a new visitor may find it hard to approach a hospital and a doctor. An insurance cover will act as a support system as the insurance providers have tie-ups with various Preferred Provider Organizations (PPO) who have networks with many hospitals and doctors in the US.

The hospitals in the PPO network will bill the insurance company directly. Travelers need not worry about paperwork and worry about paying the bill from their pocket. In case of any emergency visitors can refer to the list of hospitals with the ppo network and get help from the nearest medical care center. Travel insurance will help you make the most of the trip and explore new destinations without the worry of your health related expenses.

Pre-existing conditions visitors insurance

Travel insurance tips for travelers with pre-existing conditions

Here are some travel insurance tips for travelers with pre-existing conditions

  1. Choose a travel medical insurance plan that covers pre-existing conditions.
  2. Read the policy carefully to understand what is covered and what is not.
  3. Be aware of waiting periods for coverage of pre-existing conditions.
  4. Consider purchasing a US foreign national health insurance policy with higher coverage limits.
  5. Take a copy of your medical records and a list of medications with you when you travel.
  6. Be sure to take your prescription and medication with you during your trip.
  7. Learn how to access healthcare at your destination.
  8. Contact your US foreign health insurance provider immediately in case of any medical emergency.
  9. Disclose all pre-existing conditions when purchasing visitor health insurance.
  10. Follow all necessary procedures to submit a claim for reimbursement of medical expenses.

What is visitors insurance for pre-existing conditions?

There are several health insurance for us visitors plans available for international travel. However, many usa travel insurance for visitors plans exclude pre-existing conditions. This means that a travel insurance plan will not cover the costs of treating a pre-existing medical condition. Therefore, the insurance company may deny a claim if the ailment already existed when the travel insurance was purchased. However, there are some travel medical insurance plans that offer coverage for pre-existing conditions and the policy clearly defines a look-back period and what is covered for pre-existing conditions, as well as specifying a limit to this coverage.

Some travel health insurance plans like Atlas America, Patriot America Plus offer coverage for the acute onset of a pre-existing conditions, ie, when there is a sudden medical emergency without any prior symptom that needs to be treated immediately. The coverage typically includes emergency medical treatment, hospitalization, and evacuation expenses related to the acute onset of the pre-existing condition. INF insurance however has the INF Elite insurance plans which cover pre-existing conditions going beyond the acute onset coverage. It is important to compare visitors insurance for pre-existing conditions both for the price as well as the specific details for pre-existing conditions coverage as well as review the policy brochures for exclusions and coverage limits before making a decision.

How does travel insurance for pre-existing conditions work?

The travel health insurance plans which cover pre-existing conditions have clear definitions of what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions, and if it provides full coverage for pre-existing conditions the coverage limit within the policy for pre-existing conditons. Any travel health insurance coverage for pre-existing conditions will depend on all these.

Factors to consider while purchasing visitors health insurance for pre existing conditions?

The following are important factors for buying travel insurance for pre-existing conditions

  1. The definition of pre-existing conditions and the look back period under the policy.
  2. The eligibility age limit for pre-existing conditions coverage.
  3. Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
  4. The coverage limit for pre-existing conditions which is different from the policy medical maximum.
  5. The deductible and out of pocket expenses for pre-existing conditions coverage.

Why is health insurance for travel to USA with pre-existing conditions coverage important?

Traveling anywhere outside worldwide is supposed to be an eye opening, special and a relaxed trip experience. Traveling with a health condition brings in more challenges in order to get covered for the unexpected medical expense in case of odd surprises during the trip. This calls out for an insurance plan that covers the pre-existing conditions that will relieve the unnecessary stress of taking extra care of yourself during your most memorable travel experience.

The plans also will be expensive considering the risks involved to cover pre-existing conditions. Many of the travel insurance plans exclude pre-existing conditions. At American Visitor Insurance we offer plans that cover acute onset of pre-existing conditions as well as some cover full pre-existing conditions.

Pre-existing conditions coverage - FAQ's

01. How do I know if my pre-existing condition is covered by travel insurance?

Unfortunately, this simple question has a fairly complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance that can cover pre-existing conditions and even plans that are travel medical only without cancellation often are more generous in their coverage of pre-existing conditions. These plans may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.

Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. There are only two policies we know of that offer coverage for pre-existing medical conditions. They are INF Premier and INF Elite plans.

Firstly, they define pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.

INF Elite (also INF Elite 90) are comprehensive plans offering fairly complete coverage. INF Premier is a fixed plan. Find details on these plans here.

The above plans must be purchased for at least 90 days and can be quite pricey for seniors, but they offer the only real coverage for chronic conditions.

The other option, of course, is to take a plans with little ($1K) or no coverage for pre-existing conditions and take a risk that that condition will not flare up during the trip.

02. What does full coverage for Pre-Existing Conditions mean?

INF plans boast they offer "full" coverage for pre-existing conditions. This can be a little misleading. Firstly, any regular treatment or medication that is required by the condition is never covered. The main advantage to the INF Elite and INF Premier is that they cover sudden illness/injury regardless of whether it is pre-existing or not. The only difference is that a pre-existing condition will be covered with a higher deductible at at a lower maximum than any other "new" illness or injury. However, coverage is not limited to an emergency or life-threatening situation.

03. What does "acute onset of pre-existing conditions" mean?

The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms). A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset.

The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.

04. What is the difference between Full Pre-Existing & Acute Onset Insurance?

Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.

05. What are the limits of Full Pre-Existing plans under INF travel insurance?

Full Pre-existing means we will cover any issue regarding a pre-existing condition, however, if one is traveling to the United States solely for medical treatment, that will not be covered. INF plans do not cover any medical tourism related claims. Pre-existing conditions under the INF plans are covered with a higher deductible and a lower maximum than other illnesses or injuries. These are chosen or specified when you purchase you plan.

06. Do INF travel insurance plans really cover all pre-existing conditions?

Yes, the INF policies will cover any pre-existing issue that the traveler may have during their stay in the United States. This includes blood pressure, diabetes, kidney related issues and arthritis, all of which are covered by the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90 Plans.

07. Why are Full Pre-Existing plans more expensive than other visitor medical insurance usa plans?

The insurance company takes on an enormous risk by insuring individuals and including coverage for pre-existing conditions without any prior medical examination. Under the INF plans, you are paying more, but you are getting the full value for the money you pay given the very high cost of US healthcare. With the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90 Plans, even though it is expensive, you can have the comfort of knowing that you are covered for any emergency or contingency. This peace of mind given the expensive US healthcare expense is what makes INF plans worth it despite being expensive.

08. What services are covered under best travel insurance for usa visitors with full pre-existing coverage?

The list of covered services under Visitors insurance full pre-existing conditions coverage can be found on the American Visitor Insurance website of the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90 Plan pages. INF plans are open to green card holders

What is the best US visitors insurance with pre-existing conditions coverage?

The best US visitors insurance with pre-existing conditions coverage is listed here :

  1. The INF Elite plans are designed for travelers who need coverage for full pre-existing medical conditions up to age 99 years. INF Elite plans are comprehensive plans available for people traveling to the US and provide flexible coverage. Minimum Purchase of 90 days is required on the plans.
  2. Safe Travels USA Comprehensive offers coverage for acute on set of pre-existing conditions up to 89 years. For persons under 70 covers medical treatment to policy maximum (cardiac-related treatment up to $25,000). For persons above 70 Acute Onset benefits is reduced to a maximum of $35,000 (cardiac-related treatment up to $15,000).
  3. Atlas America Insurance is a comprehensive visitor insurance for acute on set of pre-existing conditions that covers Non-US citizens and Non-US residents while visiting the US up to age 79 years.
    The plan provides acute onset of non-chronic pre-existing conditions coverage..
  4. Patriot America plus is Comprehensive travel insurance covers acute on set of pre-existing conditions up to chosen maximum limit aged up to 70 years. This plan is available for Non US citizens travelling to the USA and US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while. Plan is suitable for Green Card holders as long as they reside outside the US.
  5. Visitors Protect is Comprehensive visitor medical insurance offers pre-existing conditions up to age 99 years. Minimum Purchase of 90 days is required on the plan. It is an affordable plan for visitors visiting the US.
  6. Safe Travels USA is a cheap travel medical insurance plan that covers sudden, unexpected recurrence of a Pre-existing Condition for Non-US Citizens and Non-US Residents while visiting the USA up to 89 years.

Buying good travel insurance for visiting USA

User

Plan Maximum

This is the maximum coverage that the travel would offer for the expenses. There are 2 types of plan here, Fixed benefit and Comprehensive benefit insurance. Fixed benefit insurance that are inexpensive offer coverage with pre-defined limits while comprehensive benefits insurance which are expensive offer coverage up to plan maximum. We usually recommend travelers to buy comprehensive benefits plans as the travelers need not pay much after buying travel medical insurance to USA.

world travel

Deductible

Most travel insurance have deductible, which is the initial amount that the insured has to pay before the plan begins to pay. Higher the deductible amount, lower the premium amount would be. It is advisable to buy a lower deductible plan as the insured would have to pay less in the US.

world travel

Coinsurance

It is a part of the expense that the insured pays and the remaining would be paid by the Insurance company. This is usually 80-20%...

Compare icon

Provider Network (PPO)

Buy a travel insurance for USA that has a good PPO network. This is because when the traveler visits a doctor or hospital within the network, the insurance plan would pay for the expenses and it would be cashless while out of network, the coinsurance would be high, and the insured would have to pay more. More details

Is US travel health insurance worth the cost?

Should you ever have medical costs while traveling, certainly you would consider the cost of the insurance was worth the price you paid for it. Most trips end without incident, and so your purchase may be a “disappointment”. And yet, you must consider that your peace of mind for yourself or your loved ones would be well served by a simple policy.

There are many Green card holders without proper health insurance. Even though the pandemic seems behind us, Covid remains a health risk and any hospitalization due to the illness can be very expensive. At American Visitor Insurance, we are committed to providing the best Green card travel health insurance. Green card holders who have a residence outside the United States can buy the following health insurance plans offered by the best US insurance providers.

The following US insurance providers offer best Green card holder health insurance including the best medical insurance for Green card holders over 65 years old.

Health insurance for Green card holders - Available plans

US Tourist insurance for different US Visa types

To enter USA, there are different Visa categories depending the type of traveler, be it for work, study, business or vacation. These visa's are valid for multiple visits during a specified time period. Find out the different visas issued for visiting or immigrating to the US.

  • Non US citizens in the USA with tourist visa are ineligible for domestic health insurance in the USA.
  • The safest way to secure oneself is buying insurance. These plans are useful for vacationers to cover medical expenses.
  • Customers can compare plans and buy the right plan that best suits one's requirements.

Know more

  • A fiancée coming to the USA (man or woman) from a foreign country require K1 visa which also called as fiancée visa.
  • The insurance providers offer medical insurance for fiancées who come to the US with K1 visa permit.
  • K1 visa insurance covers the insured for medical costs incurred in case of an medical emergency.

Know more

  • An immigrant is someone who is not a U.S. citizen but has been authorized to permanently live and work in the United States.
  • According to current American immigration law new immigrants will be eligible for domestic health insurance coverage only after five years stay in the USA
  • Immigrants can compare insurance plans online before buying them.
Know more
Balance Scale

Trip insurance vs Travel health coverage vs Global medical insurance

Confused whether to buy trip, travel or global health insurance? Understand the differences!

Click here to read more »

Travel insurance USA, Best travel insurance USA

Visitor insurance resources

Travel insurance USA resources

Please find the International travel insurance resources for USA visa holders.

Explore »
Factors for travel insurance

Factors for travel insurance USA online

Important factors while deciding on the best travel insurance to USA.

Explore »
Types of visitor insurance

Types of USA travel insurance online

Understanding the different types of USA visa travel insurance options.

Explore »
Claims Procedure

USA travel insurance Claims Procedure

Travel insurance claims process for getting medical care in a hospital.

Explore »
Overseas travel insurance for US residents

Find the best US visitor insurance coverage - Blogs and Articles

Affordable travel insurance Online

Fixed benefit or scheduled benefit plans are the most affordable international travel insurance plans.

Click here to read more »

Best international travel insurance

International travel insurance plans covering pre-existing conditions which many older travelers look for.

Click here to read more »

Compare US travel insurance online

Compare quotes online for best travel insurance online, Fixed vs comprehensive travel insurance USA.

Click here to read more »

Advantages of buying travel insurance online

Compare and buy the best travel medical insurance plans online.

Click here to read more »

Buy cheap travel insurance

There are many cheap international insurance plans also known as visitor insurance plans.

Click here to read more »

How does travel insurance work?

Coinsurance & Deductible - How visitor travel insurance works.

Click here to read more »

Popular countries among international travelers

Travel insurance for trip cancellation for Non US residents

US visitors insurance providers

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

US visitors insurance providers


Expertise in offering travel insurance
20+ years!

Customers from
All U.S. states!

Customers from over
180 countries!