Health insurance for B2 visa holders
USA visitors B2 visa health insurance
Health Insurance in a foreign country plan is one of the most important requirements for people traveling overseas for various purposes like tourism, education, visiting family and so forth. In order to choose a right US visitor insurance plan that fulfill all the necessary needs of an individual, they must be aware of kinds of plans and the coverage available for their conditions.
There are a set of comprehensive and fixed visitor medical insurance plans available for people falling into different categories as already mentioned.
Deductible and Co Insurance are the other important visitor insurance factors that helps in making decision for the purchase of the Best USA Visitor Visa insurance plan. This helps them to get the best Visitor insurance in USA to their requirement during their trip and travel.
Visitor visa insurance(travel medical insurance for B2 visitors) provides medical benefits such as hospitalization, doctors visits, prescription drugs, medical evacuation and repatriation as well as for diagnostic testing. Depending on the insurance plan selected visitors insurance plan can provide coverage for a host of non-medical benefits such as trip interruption, baggage delay, passport loss, etc.
Steps to buy travel medical insurance for B2 visitors online
- There are several reputed insurance companies that offer travel insurance plans for US visitors.
- One of the most effective ways to evaluate a travel health insurance plan is to compare the different plan options available online.
- Customers can use the simple and efficient compare tool on our site to access quotes and other relevant details of different travel insurance policies.
- Comparison of travel insurance in USA enable the visitors to make an educated decision before buying B2 visa health insurance plan online.
How much does Tourist visa travel insurance cost?*
The best tourist visa travel insurance cost ranges from $16 to $150 a month. The cost depends on the age of the visitor, medical maximum coverage and deductible, visitors coverage type (Fixed vs comprehensive coverage), and any visitors insurance coverage for pre-existing conditions.. For an average traveler, there are cheap travel insurance plans at less than a dollar a day.
Given the high US healthcare costs, being uninsured is very risky. In US hospitals, costs are much cheaper if you have short term medical insurance for international travel and the hospital is part of the travel insurance in USA PPO network. Beyond the travel insurance coverage, simply having visitors insurance decreases the overall bill. It is crucial therefore to buy travel health insurance usa or health insurance for visitors in USA.
In the US, the cost of a routine physician's visit is on average as high as $176. An echocardiogram can cost $1,000 in Massachusetts and around $3,000 in New Jersey depending on the provider. The cost of common ailments like Diabetes Mellitus with Hyperglycemia admitted to an emergency room will cost around $2,500 -$5,000. Stroke resulting in ICU for about 10 days would cost $120,000, Heart attack treatment with medical bills for ambulance, hospital emergency room, ICU, EKG and MRI heart scans and continuing care from cardiologists would cost about $20,000, The average treatment cost of acute kidney failure in the USA was over $22,000.
How much does travel insurance for USA cost per month in 2025?
The cost of visitor medical insurance for USA ranges between $16 to $150 per month depending on the age, type of plan and maximum coverage.
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A comprehensive travel insurance plans provide exhaustive coverage for health expenses up to the policy medical maximum amount. In contrast to fixed benefit plans there are no limits for each benefit.
Insurance Plans Plan Maximum Deductible Provider Network Cost * Visit USA Standard Travel Insure $70,000 $250 United HealthCare $75 Patriot America Lite IMG $50,000 $250 United HealthCare $76 Atlas America WorldTrips $50,000 $250 United HealthCare $76 Patriot America Plus IMG $50,000 $250 United HealthCare $76 Safe Travels USA Trawick International $50,000 $250 First Health Network $83 Atlas Premium America Worldtrips $50,000 $250 United HealthCare $95 Diplomat America Global Underwriters $50,000 $250 No PPO $121 INF Safe Traveler USA INF $150,000 $250 United HealthCare $172 *Disclaimer: The average cost of travel insurance for USA is based on quotes for a 40-year-old for one month. Source: AMERICAN VISITOR INSURANCE®
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A fixed benefit travel insurance plan is the cheapest travel insurance because it has a fixed limit of coverage for different medical benefits.
Insurance Plans Plan Maximum Deductible Provider Network Cost * Safe Travels Advantage Trawick International $25,000 $0 First Healthcare $20 Safe Travels Elite Trawick International $25,000 $0 First Health Network $25 Visitors Care IMG $25,000 $100 United HealthCare $27 VisitorSecure WorldTrips $50,000 $100 United HealthCare $33 * The average cost of travel insurance for USA is based on quotes for a 40-year-old for one month. Source: AMERICAN VISITOR INSURANCE®
What does health insurance for tourist visa in USA cover?
Health care expenses
Covers hospital expenses for sickness or accidents.
Know more »Pre-existing conditions
Some plans insure acute onset of pre-existing conditions.Know more »
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USA travel insurance coverage highlights
What does Travel Medical Insurance cover? What is travel Insurance USA?
Some of the other important travel health insurance for USA benefits are listed below. Travelers can compare visitor travel insurance to review specific coverage details offered by the different companies and insurance plans.
Medical coverage for accidents and emergency medical ailments
The travel insurance medical maximum coverage available is up to $1M. This however decreases for travelers over 70 years.
Doctors visit
This allows travelers to visit Doctors for sudden unanticipated medical ailments. The Co-pay and deductible depends on the plan with the option of No Co-pay and $0 deductible.
Pharmacy drugs
Doctor prescribed eligible pharmacy drugs are covered up to $50K, but this varies from plan to plan.
Surgery
Emergency surgery treatment will be covered. The maximum available amount for surgery is typically $50K, but this varies from plan to plan.
Medical Evacuation
The best travel insurance provides coverage for medical evacuation up to $1M if the traveler has to be evacuated to get access to proper medical treatment in the event of a medical emergency.
Repatriation of remains
The repatriation of remains benefit pays for the repatriation expenses back to the home country in the event of death of the traveler with coverage up to $50K available.
Emergency dental coverage
Emergency dental coverage up to $300 is available for acute onset of pain to natural teeth. Given all these benefits, it is important that international travelers buy the best travel insurance given the relative low cost of travel insurance when compared to the cost of healthcare. This is particularly important for Seniors citizens, as older travelers are most vulnerable and likely to need the benefits offered by the best USA travel insurance plans.
US travel health insurance coverage for visitors
Traveling to the US requires meticulous planning and it is crucial for B2 Visa holders to purchase best health insurance for B2 Visa holders for their tourist visa to the US. Health care in the US is extremely expensive and travel health insurance for tourist visa can offer protection against any unforeseen accidents and illness. International travelers traveling to the US should ensure to include travel medical insurance for tourist visa for a safe and worry free journey.
Domestic health insurance from one's home country often provides limited or no coverage abroad. A visitor's medical insurance plan is the best health insurance for B1/ B2 visa holders that can safeguard against substantial medical expenses in the event of hospitalization in a foreign country. Insured travelers may receive cashless medical services up to the covered amount within the United States.
Visitor visa medical insurance for USA - FAQs
B2 visa holders do not need US health insurance as a requirement for getting or maintaining their visa, however, it is highly recommended to buy the best B2 visa holders health insurance in the US to protect themselves from high US medical costs in case of illness or injury during their stay. The US does not have universal health care, which means that most people have to pay for their own medical expenses, either out of pocket or through private insurance.
US health care is very expensive and without insurance, even a routine doctor’s visit can cost tens thousands of dollars. Simply having health insurance for tourist visa in USA can lower hospital bills since US insurance preferred provider organization (PPO) network healthcare billing is much lower than regular hospital bills without PPO network in the United States.
Health insurance for B2 visa holders can offer various benefits, such as:
- Covid19 coverage: Some plans cover COVID-19 related expenses, such as testing, treatment, hospitalization, and quarantine, up to the policy limit.
- Other medical expenses: Most plans cover other medical expenses, such as doctor visits, prescriptions, surgery, ambulance, and repatriation, in case of illness or injury during the trip.
- Emergency services: Most plans cover emergency services, such as evacuation, accidental death and dismemberment, and travel assistance, in case of a life-threatening situation or a travel disruption.
- Pre-existing conditions: Some plans cover acute onset of pre-existing conditions up to a certain limit, as long as they are stable and controlled before the trip.
- Lower hospital bills: Since US insurance preferred provider organization (PPO) network healthcare billing is significantly lower than regular hospital bills without PPO network in the United States.
There is no specific minimum coverage requirement mandated by the US government for B1 or B2 visa medical insurance. However, a good practice is to have coverage with at least $50k to $100k in medical expenses coverage.
You can compare different plans and buy best health insurance for B1/ B2 visa on American Visitor Insurance which includes emergency medical expenses and medical evacuation.
Medical insurance for b1/b2 visas may be valid as long as the visa up to 10 years, visitors on B-1 or B-2 will only be permitted to stay in the United States for a short duration (maximum 6 months), as granted by US Customs and Border Protection upon arrival. It is recommended that you can buy B visa insurance for the length of your stay in the United States.
A travel health insurance (also known as visitors insurance) plan provides coverage for travelers outside their home country for both long and short trips as opposed to domestic health insurance which cover offers protection for the insured within their home country. The visitors medical insurance offers protection both for medical and travel accidents and illness while on an international trip.
The insured receive medical care and assistance for unexpected medical and travel events while travelling overseas. Visitor health insurance is available for all categories of the travelers like for vacationers, business men, Students, short visits and annual multi-trips depending on the duration of the stay and the visa type of the traveler.
- Any new sickness or injury that occurs during the trip after the start of the policy.
- Accidents or illness occurred during the trip.
- Medical emergencies and medical evacuation.
- Cover for hospital treatment, doctor expenses and prescribed drugs.
- Some plans cover acute onset of pre-existing conditions.
- Dental emergencies (again offered by some insurance plans).
There are broadly two types of visitors health insurance that a traveler can choose based on their travel requirements.
- Fixed benefit travel insurance coverage
A fixed benefit insurance plan is a basic plan with lower benefits and lower premiums. These covers offer basic standard medical coverage and stay in case unforeseen medical or travel events occur while traveling away from home country. There are few plans that cover acute onset of pre-existing conditions up to a certain limit.
Explore More » - Comprehensive travel insurance coverage
Comprehensive travel insurance offers exhaustive coverage but are more expensive when compared to the fixed benefit plans. Most of the comprehensive plans offer coverage for acute onset of pre-existing conditions. The insured can visit doctors within their PPO network to get cashless services. There are many US insurance providers who offer good comprehensive visitors health insurance plans like Patriot America Plus, Safe Travels USA Comprehensive, Atlas America and Travel Medical Plus.
Explore More »
Travelling to the United States is definitely an exciting experience for travelers however travelling long distance, the change of weather and food often increases the chances for travel and medical risk. Here is why travelers should include US visitor insurance, this is particularly important given the high cost of US healthcare.
- Travelling to a new country, and trying new cuisines, jetlag and different lifestyles can be risky. Sometimes even with full planning there is always a chance for travel or medical mishaps, accidents, injuries or illness. These unexpected events can happen to anyone and at any age, but older travelers are particularly vulnerable. Given these risks, it is important to include the best US visitor insurance while traveling there.
- . The US does not offer free medical treatment to its visitors. Nor the domestic health Insurance cover from the home country will provide little or no coverage for any medical treatment in the US. In the US each one is responsible to pay for themselves for all healthcare costs. Visitors to the US need to pay on their own either through a travel insurance cover or from their pocket for any unexpected illness or injury.
- The high cost of healthcare in the US makes it vital for travelers to have good travel health insurance while traveling to the US. A smallest diagnosis and a basic treatment for medical conditions like upper respiratory infections can leave the traveler with a huge bill. If there is a need for an emergency evacuation or surgery then the cost is extremely high and can leave the traveler in a huge financial burden.
- Even though it’s not mandatory to include travel insurance for a trip to the US. By including travel insurance, travelers can be rest assured that even if any emergency healthcare is required, it is taken care of by the US visitor insurance cover.
Yes. These travel insurance plans are from the reputed and popular private insurance companies in the US. These companies have been there for a while and has served many travelers over the years and have excellent rating and popularity. They are associated with the provider networks in the US which are popularly known as PPO networks such as First Health network, United Healthcare, Coventry healthcare to name a few.
Yes, travelers can buy travel insurance if the traveler has already started a trip. However travelers should keep in mind that the cover is provided for any illness or injury that occurs after the inception of the policy.
As a sponsor for anyone on a student’s visa, a visitor’s visa or for permanent residency status (Green card) you are completing the I-134 Form. The I-134 form is an Affidavit of Support indicating to the U.S. government that the visa applicant will be financially supported by the sponsor in the United States. This is to remove the risk of the visa applicant from becoming a public charge (financial liability) to the US government.
The sponsor is therefore considered responsible for any living and healthcare expenses of the visa applicant while in the United States. In the event that the visa holder needs healthcare services, the healthcare provider can hold the sponsor who provided the I-134 form, ie 'Affidavit of Support' responsible for any medical bills that are not paid by the sponsored visa holder. Given this risk and the high US healthcare costs, it is important that the sponsor ensures that the visa applicant has good medical insurance coverage as long as the I-134 Affidavit of support is valid. At American visitor insurance, we have US travel health insurance and student medical insurance options which are applicable for these visa applicants.
An Affidavit of Support is enforceable until the visa applicant either becomes a US citizen, or is credited with 40 quarters of work (which is typically 10 years).
Yes, Non US citizens can get medical insurance for traveling outside their home country.
Best Seniors travel insurance with Pre-existing Conditions Coverage
Pre-existing condition is a medical ailment that existed before the travel insurance became effective. Another term that we come across more frequently in insurance policies is "Acute onset of pre-existing condition". Acute onset of pre-existing condition is a sudden relapse of the pre-existing condition without advance warning which requires medical attention within 24 hours.
Travelers with pre-existing conditions always find it hard to buy travel health insurance. Some of the common conditions that are considered as pre-existing conditions are asthma, food & drug allergies, environmental allergies, heart related issues, high blood pressure, kidney disease, cancer, and diabetes. Typically all insurance providers have their terms and conditions for the pre-existing condition coverage provided. Most do not cover anything related to a pre-existing condition. Travelers can buy a travel insurance policy without a medical check, however chronic illnesses like cancer, parkinson's disease, Amnesia...which cannot be cured are not covered by the travel health insurance policies. With the pre-existing condition there is a "look back" period of 60-180 days to determine the claim. Most of the Insurance providers consider the age of the individual as a factor for providing this benefit. Most of the policies do not provide coverage for pre-existing conditions at the age of 70 and more.
Some US insurance providers offer senior citizen travel insurance for pre-existing conditions above the age of 80 with fixed or limited coverage. The Safe Travels USA, Safe Travels USA Cost Saver, and Safe Travels USA Comprehensive all offer $1000 coverage for pre-existing conditions without limitation to chronic illness. If travelers have a medical condition they are concerned about, it is very important for them to buy a policy that includes the illnesses in the coverage and to be aware of the terms of pre-existing condition coverage.
INF is one of the few companies which offers travel insurance plans for travelers with flexible coverage for pre-existing ailments. They define pre-existing conditions differently and do not exclude chronic illness. First of all, if the person has had no flare up or change in their condition, even if they take medication for it (as long as there has been no change in medication) for 12 months prior to the start of the plan, then the plan does not consider it as a pre-existing condition. If there has been a flare up or change in the condition, then it is covered but at a lower maximum than the overall maximum of the plan and may be subject to a higher deductible.
They have two plans which have this coverage: INF Premier and INF Elite. The Premier plan is a fixed plan which has limitations on the coverage of each medical expense. The Elite plan is an 80/20 comprehensive plan (the plan pays 80% and the insured 20% after the deductible). INF offers the best travel insurance for pre-existing medical conditions but the difference is reflected in the cost, particularly in the Elite plan. Note that regularly needed maintenance medications or treatments are still not covered with these plans, only if there is a new problem will there be coverage. However, the problem does not need to be life-threatening or acute. Travelers with pre-existing conditions should weigh these options to reduce their risk of high medical costs should they suffer from one of their conditions while traveling. Note that the plans need to be purchased for at least 90 days, so these are more suitable for longer term stays in US, Canada, and/or Mexico. Also, the plans may be purchased by green card holders as long as they have a non-US residence address. The Elite plan has several variations: INF Elite, Elite Plus and INF Elite 90.
To compare the best travel insurance for seniors visiting USA for flexible pre-existing conditions plans offered by INF, use this link: INF Premier & INF Elite best travel insurance for pre-existing conditions.
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 Insurance 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 Insurance 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 $25K). For persons above 70 Acute Onset benefits is reduced to a maximum of $35K (cardiac-related treatment up to $15K).
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.
4. Patriot America plus Insurance is comprehensive travel insurance covers acute on set of pre-existing conditions up to chosen maximum limit aged up to 70 years. This health insurance for Non US citizens is available for travel to the US 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 Insurance 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 Insurance 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.
Get quotes for USA visitor insurance!
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Health insurance for tourist visa in USA
Popular US B2 visa insurance
I am trying to help somebody get insurance in case of a major accident. They are currently on an emergency visa for B2 status. He is Russian and 21 years old. I am looking at Safe Travels USA. Is this an appropriate policy?
Regards,
Mohammad
Yes, you can use the Safe Travels USA plan. Here are the plan details:
Please let us know in case of any questions
Regards,Customer care
www.americanvisitorinsurance.com
(877) 340 7910
I am having difficulty finding an appropriate plan for my upcoming trip to the US. I am a US citizen, as well as my 1 year child, however my husband is a non-US citizen. I have not resided in the US for over the past 6 months and I do not have US health insurance. What can I do? My trip will be from 8/24-10/15, primarily in Michigan, then San Francisco for the last two weeks. Please advise on what are my options?
Also regarding the foreign residence, do I need to have a foreign residency document or does my passport with entry and exit stamps suffice?
Regards,
Mohammad
Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!
Given below are details of plans that will cover US citizens who reside outside of the US while they visit the US. These plans define "home country" as where a person has a fixed residence, not necessarily their country of citizenship. So, as long as you intend to return to your country of residence, they will cover you. You need to enter your country of residence for the mailing address.This plan is available for Non US citizens visiting the US as well. You will need your passport number while purchasing the plan and nothing else
Here is the plan:
This plan is available for US citizens residing outside US and coming to the US for short term visit.
Please let us know in case of any further questions
Regards,Customer care
www.americanvisitorinsurance.com
(877) 340 7910
Select the visitor insurance plans that you want to compare
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Visitor visa health insurance USA
How to buy travel medical insurance
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Know more »Guide for short term travel insurance in USA
We also short term travel insurance in USA.
Know more »Compare best US health insurance for different Visas
Compare quotes online for best tourist visa health insurance USA.
Know more »USA Healthcare cost
USA Healthcare cost & need for US visitors medical insurance.
Know more »Resourceful visitors medical insurance information
Visitor insurance resources
International travel insurance resources for travel emergency while outside your home country.
Factors for travel insurance
Important factors for travel insurance to consider while deciding on the best visitors medical insurance.
Types of visitor insurance
Understanding different types of US visitor health insurance options, fixed benefits vs comprehensive coverage.
Claims Procedure
Helping travelers with the insurance claims process for getting medical care in a hospital..
USA tourist visa insurance, Visitors visa insurance information
Extending the US visitor visa
Many travelers on US visitors visa who are on temporary or short term US visas may have to extend or renew their visa status in order to stay for longer durations in the US. The following is the procedure to extend the US short term visa:
- The visitor should complete the I-539 form for extension of a Non-Immigrant Visa
- The visitor should submit a letter stating the reason with detailed explanation for extension.
- The visitor should submit a copy of form I-94 that that he/she received on entry into the US
- The visitor should provide documentary evidence that the extended stay is temporary along with the booked return tickets
- The visitor should provide proof that the stay is completely taken care and he/she are financially covered and will not be a public charge in the United States.
- The visitor should confirm that if the applicant has received any state benefits after 11-Feburary-2020; they need to be supported with proof of documents separately. The applicant should not have accessed any monetary state benefits or supplementary income from state post this period.
Pay the required renewal fees
Pay $370 filling fees +$85 for biometric fees depending on the petition at the USCIS.
Visa extension processing
The USCIS will issue a receipt with 13-digit case number on submission of the extension application.
The visitor should provide this case number to check the status of the application and its processing times (customer service number helpline number is: 1-800-375-5283).