Why buy visitor health insurance? Do we need it?

Answer these questions to find the best insurance plan for your needs (International travelers, students, all US visa’s and Schengen visa).

What is the traveler's destination?

What is the nationality of the traveler?

Is the traveler looking for?

Does the traveler need Schengen Visa Insurance or Long term Europe Visa insurance?

What is the Visa of the traveler?

What is the Visa of the traveler?

Does the traveler have any pre-existing medical conditions?

Type of Insurance?

Enter age
Spouse's age (if traveling)
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Stranded outside one’s home country and need for travel insurance

In the wake of coronavirus contamination, the World Health Organisation (WHO) declared it as pandemic to the world. Since the outbreak there is a forced restriction on travelling and lock downs worldwide. Travelers who were out of their home country have been stranded, worried if they can be safe in another country. There are a number of travelers who are stranded and facing this unpredictable and difficult situation across the globe.

Many countries are making efforts in getting back stranded citizens back to their home country. All passengers will be required to undergo medical screening before boarding the flight and only those passengers with negative reports for the covid-19 will be allowed to travel. Post arrival most international travelers will be medically screened with a mandatory quarantine for 14-day on arrival.

For an unforeseen situation like this it’s advisable to be careful and having the best international travel insurance is very important. This will help you to be financially stress free as the insurance will cover the expenses for all medical treatments from hospitalization, doctors’ fees, ambulance charges and post and pre-treatments provided to the insured. Most of the countries offer sophisticated health care treatment for foreign visitors, the treatments however are very expensive. Without proper medical insurance coverage outside your home country one may have to pay huge medical bills leaving with a dreadful situation. Hence international travel insurance is a must during this pandemic times while traveling or living outside one’s home country.

US travel insurance for Coronavirus

There are currently three US insurance providers namely Trawick International, INF insurance and Global Underwriters who offer US Visitors insurance coverage for coronavirus.

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.

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.

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.

Finding the best Covid 19 travel insurance coverage for US visitors !

International travel has become more difficult thanks to the Covid 19 pandemic. Given the high costs of healthcare especially in light of Covid 19, it is important to have excellent travel insurance with coverage for Covid 19. This will mitigate the financial risks of international travel. At American Visitor Insurance, travelers can find the ideal Covid travel insurance plan by using the visitors insurance comparison tool Travelers should provide relevant information such as the travelers age, the duration of travel and other relevant details like the medical maximum coverage, the deductible and the need for Covid travel insurance coverage. The comparison utility will display the available travel insurance plans based on the travelers requirements. Travelers can further filter the displayed plans by filtering the list of plans, and one of the filter option is specifically about coverage for Covid illness. The traveler can then review these filtered plans based on price and other coverage benefits to select the Covid travel insurance plan that they like best. Some important factors to help you find the best travel insurance plan are:
  • Type of Insurance coverage: Fixed vs Comprehensive visitor insurance. These are two types of visitor insurance options which hugely impacts the cost and overall coverage.
  • Deductible: The deductible amount has to be paid by the traveler before the insurance plan starts paying for medical expenses. The deductible is inversely proportional to the premium cost of the plan.
  • Other significant travel insurance factors: Other important factors are the co-insurance, renewability, PPO network and the insurance underwriter. These are clearly highlighted in our Covid19 travel insurance comparison tool.

International Visitor Insurance for US Citizens

Given the current Covid 19 pandemic, it is of paramount importance for international travelers to be equipped with the best Covid 19 travel insurance plans. At American Visitor Insurance, we work hard to provide the best Covid travel insurance plan at these difficult times. Travelers can use the compare covid travel insurance utility in our website to find the best travel health insurance with covid coverage option for your specific needs. Travelers can also filter the list of available travel insurance options specifically for Covid travel insurance coverage plans offered by US travel insurance providers. The important factors to consider while identifying the best Covid travel medical insurance plans are :

  • Type of Insurance coverage: Fixed vs Comprehensive visitor insurance this varies both the price and the coverage benefits significantly.
  • Deductible : The deductible is the amount that the traveler has to pay before the insurance plan pays for any expenses. The higher the deductible, the lower will be the cost of the plan
  • Other relevant travel insurance factors: Other factors include co-insurance, renewability, PPO network, insurance underwriter all of which are displayed in our Covid19 travel insurance coverage comparison tool.

An Overview

Visitor Medical Insurance plans have been designed for international travelers to protect them while they are outside their home country. In some countries such as the US, Canada and most European nations health care is very expensive, travelers are required to purchase insurance before the consulates of these countries will even issue them a visa to travel there. Visitors to foreign countries can buy the insurance from one of several different travel insurance plan providers. This ensures that they will not be left in the lurch should they have an illness or injury.


Why buy visitor health insurance?

Healthcare costs in USA

Why do I need to buy insurance? This is indeed a valid question. Imagine falling ill during a holiday or a trip abroad? Now imagine this happens in a country where US healthcare is truly unaffordable? It's not a pleasant thought! And while no one wants to get sick while away form home, sometimes it does happen. To reduce the financial and emotional stress of such an eventuality it is best to have proper travel insurance for USA visitors.


Healthcare Cost in USA

Importance of buying visitors insurance for Flu?

International tourists visit the US throughout the year for different purposes. In the US, during the season of Flu which starts at the beginning of the fall and will stay till winter ends. Doctors recommend getting the Flu vaccine during this period for people living in the US. The flu vaccine also known as influenza vaccine protects people against the influenza virus. Flu can be dangerous for older travelers and young children as their immunity is low. As the Healthcare cost in the US for visitors is quite expensive buying US Travel Medical Insurance can certainly provide a great sense of relief which making the payment of the medical expenses. The flu shot itself will not be covered by the travel insurance, as this will be considered preventive care, however treatment due to flu will be covered.


Buying Visitors Medical Insurance Online?

Buying plans online is not just convenient, it is also safe. There is no additional fee for an online application. The process itself is very simple. A convenient comparison tool is available for comparing different quotes. By entering in your age, dates of travel and desired coverage limits you can review the gamut of plans available. You will see a comprehensive list of premiums, benefits, provider networks, etc. The website also provides an extensive list of Frequently Asked Questions (FAQs) to help you answer any query you may have had about travel insurance policies.

Travel medical insurance for US citizens

US citizens and US residents should know that their domestic US health insurance including medicare provides little to no coverage outside US borders. It is important therefore to have good travel medical insurance when you are outside the United States. US citizens can insure their international travel to cover the cost of their travel under Trip protection insurance or buy travel medical insurance where the plans are designed to insure the health of the traveler. There are travel plans for all categories of travelers like senior citizens, travelers with pre-existing conditions, business travelers who make multiple trips annually, student group travelers....


Travel medical insurance for US citizens traveling overseas?

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