What Is Immigrant Insurance?
Immigrant insurance is a temporary health insurance plan which is designed for new immigrants and Green Card Holders in the United States who are not yet eligible for employer-sponsored health coverage or government health coverage.
Since medical expenses in the U.S. are extremely high, immigrant insurance helps protect individuals and families during the transition period after arrival. These plans have a short duration of medical coverage while the immigrants wait for a domestic U.S. health insurance plan to take effect or become eligible for government programs.
Immigrant insurance plans are suitable for new arrivals, permanent residents, and Green Card Holders who may still have their home country listed outside the U.S. Their visits also can be covered for a limited duration by Green Card Holders staying outside the country.
Coverage is typically available between a few months to two years and may comprise of doctor visits, hospital stays, emergency and urgent care services. Although it is not considered as a substitute for long-term U.S. health insurance and there may be waiting periods for pre-existing conditions, the immigrant insurance provide essential medical and financial protection during the early stages of settling in the United States.
Travel Health Insurance for New Immigrants
US Immigrant health insurance plans offered here provide medical insurance for new US immigrants (Green Card Holders sponsored by family members) and potential immigrants (H4 & F2 visa holders) till they are eligible for domestic insurance. This works as the health insurance for elderly immigrant parents as well till they become eligible for domestic insurance.
- Eligibility: Immigrant insurance plans are designed for new immigrants, Green Card Holders, and those on various visas (e.g., H1B, F1). Eligibility varies by plan, so it’s important to check specific requirements.
- Coverage: These plans typically cover medical expenses such as doctor visits, hospital stays, emergency services, and prescription drugs. Some plans also offer coverage for preventive care, maternity, and mental health services.
Types of Plans
- Short-Term Plans: Ideal for new immigrants who need temporary coverage until they secure long-term insurance.
- Long-Term Plans: Suitable for those planning to stay in the US for an extended period. These plans often provide more comprehensive coverage.
- Visitor Insurance: For those visiting the US temporarily, such as tourists or business travelers.
- Providers: Several insurance companies offer plans tailored to immigrants, including IMG, Seven Corners... It’s advisable to compare plans to find one that best suits your needs.
- Enrollment: You can purchase immigrant insurance before or after arriving in the US. It’s often recommended to buy coverage before your trip to ensure you’re protected from the start.
- Costs: Premiums vary based on factors like age, coverage level, and plan type. Some plans offer deductibles and co-pays to help manage costs.
Can I Buy U.S. Immigrant Health Insurance After Coming to the USA?
Yes, you can purchase U.S. immigrant health insurance after arriving in the United States. However, buying coverage before travel is strongly recommended especially for elderly immigrant parents to ensure protection from the very first day of arrival.
If you purchase insurance after your journey has already begun, coverage will apply only to new illnesses or injuries that occur after the policy’s effective date. Any medical conditions, illnesses, or hospitalizations that began before purchasing the policy will not be covered.
- Most immigrant health insurance plans can be purchased within the first 30 days of arrival in the U.S.
- After this initial period, plan availability may be limited or certain policies may no longer be offered.
- These timing restrictions mainly apply to plans covering travel to the United States.
It is essential to have immigrant health insurance in place before any medical emergency occurs. Delaying coverage increases the risk of uncovered medical expenses, which can be very costly in the U.S
For international travel, there are no such limitations, allowing you to purchase new immigrant health insurance for the USA at any time. However, it's common for people to wait to understand their visitors' preferences and discuss options with them. It's important not to delay, as some policies may become unavailable if you wait too long.
How Much Does Visitor Health Insurance USA Cost?
How Much Is Medical Insurance for Tourists in the US?US Healthcare is extremely expensive, and even a simple doctor’s visit can become a financial burden unless insured properly.
In 2026, the cost of travel health insurance for visitors to the US ranges between $19 to $172 per month, depending on
- Age of the traveler
- Insurance company
- Type of visitors insurance
- Coverage limits
- Whether pre-existing conditions are covered
Cheaper options are available for as little as $1 to $5 per day, however the coverage is also limited.
Why is travel insurance USA is so important? A simple doctor’s visit can cost anywhere between $250 to $350, while a heart attack can cost at least $25,000. A stay in the ICU after a stroke can cost upwards of $150,000. As routine echocardiogram can range from $1,500 to $4,000 while emergency treatments for conditions like diabetes can cost anywhere from $3,500 to $7,000. Treatment for kidney failure can result in bills of over $30,000.
How Much Does Cheap Visitor Insurance in the USA Cost?
Cheap visitor health insurance for visitors to USA starts at $19 per month for fixed benefit plans. Following is the cost of visitor insurance per month.
| Plan Name | Plan max range | Deductible | Age 35 | Age 55 | Age 75 |
|---|---|---|---|---|---|
| Safe Travels Advantage | $25,000 - $150,000 | $0 | $19 - $54 | $29 - $82 | $59 -$160 |
| Visitors Care | $25,000 - $100,000 | $100 | $25 - $44 | $30 - $65 | $66 - $152 |
| Safe Travels Elite | $25,000 - $175,000 | $0 | $25 - $71 | $36 - $110 | $105 - $150 |
| Venbrook Essential | $25,000 - $150,000 | $0 | $25 - $74 | $36 - $105 | $66 - $142 |
| Visit USA Budget | $50,000 - $150,000 | $250 | $30 - $49 | $42 -$74 | $81 |
| VisitorSecure | $50,000 - $130,000 | $100 | $31 - $55 | $46 - $84 | $93 - $135 |
| Travel Medical USA Visitor Basic | $50,000 - $150,000 | $100 | $39 - $47 | $56 - $68 | $178 - $196 |
How Much Does the Best Comprehensive Visitor Insurance Cost per Month?
The cost of comprehensive visitor insurance starts around $53 month, depending on the age of the traveler, coverage limits, deductible, and optional add-ons. Higher medical maximum plans including pre-existing condition benefits and lower deductibles are more expensive.
On average, a good comprehensive health insurance plan costs between $58 to $108 per month for a 35 year old traveler.
Following are the cost of best health insurance for visitors to USA per month for a $250 deductible.
| Plan name | Plan maximum | Age 35 | Age 55 | Age 75 |
|---|---|---|---|---|
| Atlas Essential America | $50,000 - $1,000,000 | $53 - $98 | $117 - $200 | $244 - $326 |
| Visitors Preferred | $50,000 - $1,000,000 | $53 - $99 | $123 -$231 | $244 |
| Patriot America Plus | $50,000 - $1,000,000 | $57 - $106 | $124 - $235 | $279 - $420 |
| Safe Travels USA | $50,000 - $1,000,000 | $57 - $103 | $123 - $227 | $244 - $321 |
| Venbrook Premier | $50,000 - $1,000,000 | $58 - $104 | $129 - $240 | $352 - $437 |
| Atlas America | $50,000 - $2,000,000 | $58 - $114 | $127 - $253 | $344 - $429 |
| Safe Travels USA Comprehensive | $50,000 - $1,000,000 | $66 - $122 | $143 - $269 | $285 - $455 |
| Atlas Premium America | $50,000 - $2,000,000 | $72 - $142 | $158 - $316 | $430 - $537 |
| SafeVista Protect | $100,000 - $1,000,000 | $76 - $97 | $158 - $225 | $320 |
| Diplomat America | $50,000 - $1,000,000 | $81 - $142 | $176 - $303 | $342 |
| Travel Medical Choice | $50,000 - $1,000,000 | $98 - $173 | $186 - $333 | $736 - $1,000 |
| Patriot America Platinum | $1,000,000 - $8,000,000 | $108 - $226 | $240 - $494 | $604 |
| Visit USA Superior | $250,000 | $112 | $233 | $404 |
Source: American Visitor Insurance®
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How Much Does 6-Month Medical Insurance for Visitors to USA Cost?
For a 60-year-old traveler, the cost of USA visitor insurance for 6 months typically ranges around $122 to $1,050, based different coverage options, medical needs, and traveler’s budget on American Visitor Insurance.
The best 6 month USA travel insurance is the one which is affordable, reliable and allows the traveler stress free.
Learn How Visitor Insurance Works
Before choosing a plan, it’s important to understand how visitor insurance works, including coverage limits, deductibles, and the claims process.Who Should Buy U.S. Immigrant Medical Insurance?
Individuals who have recently arrived in the United States often face a waiting period before qualifying for employer-sponsored or government health insurance programs. These customers typically need:
- Temporary medical coverage during the initial settlement period
- Protection against high U.S. healthcare costs
- Insurance until domestic eligibility requirements are met
Immigrant medical insurance provides coverage during this transition phase.
Green Card holders who frequently travel between the US and their home country, and may not reside permanently in the USA, are advised to purchase new US immigrant health insurance coverage. It is important to note that this health insurance for elderly immigrant parents and other categories in the USA typically does not cover preventative care, such as health check-ups and vaccinations, or may offer limited coverage for pre-existing medical conditions.
Green Card holders residing permanently in the USA are eligible for domestic health insurance plans, contingent on their length of stay. Those under 65 may qualify for plans like Blue Cross or Blue Shield, typically after a residency period of 6 months or more. It is advisable to purchase insurance until they meet the criteria for domestic plans. For individuals over 65 who do not yet qualify for Medicare or other domestic health insurance, new immigrants can opt for INF insurance.
Parents or family members who recently immigrated to the U.S. often need coverage based on their length of stay. These plans:
- Are available for short- or long-term stays
- Provide medical protection until domestic insurance becomes available
What Does US Visitor Medical Insurance Cover?
- Health care expenses: Covers hospital expenses for sickness or accidents.
- Doctor visit: Insures Doctor visits for sudden injury or sickness.
- Pharmacy drugs: Doctor prescribed eligible pharmacy drugs expenses.
- Pre-existing conditions: Some plans insure acute onset of pre-existing conditions.
- Medical evacuation: Medical evacuation expenses to nearest facility included.
- Repat of remains: Repatriation of remains to home country included.
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Health Insurance for Immigrants in US
US Immigrants health insurance plans highlights
- Many options for short and long term stays in US and abroad.
- Some plans are renewable monthly, quarterly, semi-annual, or annually.
- Some plans can be enrolled even 24 months after arriving in the United States.
- Affordable New US Immigrants health insurance plans provide an interim bridge coverage till you are eligible for US domestic health plans.
US Immigrants Medical Insurance Options
Find the best US New Immigrants health insurance plans
Travel Health Insurance for Elderly Immigrants in the USA
At American Visitor Insurance, we offer affordable travel health insurance for senior immigrants in the USA. Protect immigrant parents and elderly Green Card seniors over 60 years with coverage for medical emergencies, hospitalization, and pre-existing conditions. Find the best senior immigrant travel medical insurance for pre-existing conditions, offer flexible policy durations that fits your budget and health care needs.
Immigrant health insurance USA - FAQ's
1. Why do immigrants need US immigrant insurance?
- It is very risky for anyone to be uninsured in the US, especially new immigrants who soon after arriving in the USA are particularly vulnerable given the new environment that they are in.
- There is a waiting period till new US immigrants are eligible for Medicare or to purchase domestic health insurance. Immigrants can however buy new US immigrant insurance plans as an interim coverage.
2. Can a US immigrant get health insurance?
Yes, there is immigrant health insurance, or health insurance for permanent residents available. However it must be noted that domestic US medical insurance for Green card holders including Medicare and Medicaid have a waiting period of five years. US immigrants are eligible for Medicaid coverage only if they satisfy the resident state’s income or residency rules.
It is important to buy temporary US immigrant health insurance till Green card holders become eligible for domestic insurance plans. The visitor health insurance plans that we offer also work very well as health insurance while waiting for Green card. Given the high cost of US health care, it is very important to have health insurance for elderly immigrant parents and medical insurance for Green card holders even before they become eligible for domestic US plans
3. Can a green card holder already in the USA buy INF plan?
They must go through special membership approval for INF Elite / Premier / Standard / Traveler USA for Greencard holders.
4. Can a new immigrant in the US buy INF plans?
Yes, they can buy INF travel insurance.
5. Can a green card holders buy INF insurance?
Yes, they can buy INF travel insurance.
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