The best visitor insurance in the USA depends on individual needs, as no single plan suits everyone. Some may prioritize affordability, while others seek comprehensive coverage. Insurance costs are higher for those needing coverage for pre-existing conditions. It's advisable to compare plans based on price and benefits, and review feedback before purchasing. For more details please contact us at (877)-340-7910 or email and one of our licensed agents to get help finding international health insurance for USA.
Rating
A(Excellent)
Plan life
5 days to 364 days
Underwriter
Sirius International
Acute onset of a pre-existing condition
Covers up to the age of 70 years
In network: Pays fixed sum
Out of network: Pays fixed sum
Direct billing: Through First health care network or United healthcare
Medical Evacuation
Upto 50,000
Max Coverage
$25K, $50K, $1M
Deductible
$0, $50, $100
Cost Range
$27.59 Buy now
Rating
A(Excellent)
Plan life
5 days to 364 days
Underwriter
Sirius International
Acute onset of a pre-existing condition
Covers up to the age of 70 years
In network: Plan pays 100% up to policy maximum
Out of network: Plan pays 80% of eligible expenses up to $5,000, then 100% up to the maximum Limit.
Direct billing: Through First health care network or United healthcare
Medical Evacuation
Upto 50,000
Max Coverage
$50K, $100K, $500K, $1M
Deductible
$0, $100, $250, $500, $1k, $2.5k
Cost Range
$97.65Buy now
Rating
A(Excellent)
Plan life
5 days to 364 days
Underwriter
Sirius International
Acute onset of a pre-existing condition
Covers up to the age of 70 years
In network: Plan pays 100% up to policy maximum
Out of network: Plan pays 80% of eligible expenses up to $5,000, then 100% up to the maximum Limit.
Direct billing: Through First health care network or United healthcare
Medical Evacuation
Upto 50,000
Max Coverage
$50K, $100K, $500K, $1M
Deductible
$0, $100, $250, $500, $1k, $2.5k
Cost Range
$98.43Buy now
Rating
A(Excellent)
Plan life
5 days to 12 months
Underwriter
SiriusPoint Specialty Insurance Corporation
Acute onset of a pre-existing condition
Covers up to the age of 70 years
In network: Plan pays 100% up to policy maximum
Out of network: Plan pays 90% of eligible expenses up to $5,000, then 100% up to the maximum Limit.
Direct billing: Through First health care network or United healthcare
Medical Evacuation
Up to the maximum limit
Max Coverage
$2M, $5M, $8M
Deductible
$0, $100, $250, $500, $1k, $2.5k, $5k, $10k or $25k
Cost Range
$221.65Buy now
Rating
A(Excellent)
Plan life
5 days to 12 months
Underwriter
SiriusPoint Specialty Insurance Corporation
Acute onset of a pre-existing condition
Covers up to the age of 70 years
Coinsurance: Plan pays 100% up to policy maximum
Direct billing: Through International Provider Access(IPA)
Medical Evacuation
Up to 1M
Max Coverage
$2M, $5M, $8M
Deductible
$0, $100, $250, $500, $1k, $2.5k, $5k, $10k or $25k
Cost Range
$145.31Buy now
Rating
A-
Plan life
90 days up to 12 months
Underwriter
SiriusPoint Specialty Insurance Corporation
Pre-existing condition
Covers up to the age of 99 years
In network: Plan pays 75% and insured pays 25%
Out of network: Plan pays 60% and insured pays 40%
Direct billing: Through First health care network or United healthcare
Medical Evacuation
Maximum limit up to 25k
Max Coverage
$50k, $100k or $250k
Deductible
$250, $500, $1K, $2.5K or $5K
Cost Range
$510.60Buy now
Rating
A-
Plan life
5 to 364 days
Underwriter
Lloyds, London
PPO
Acute onset of pre-existing condition
Covers up to the age of 70 years
Medical Evacuation
$50K lifetime maximum
Max Coverage
Maximum limit upto 130K
Deductible
$0, $50, or $100
Cost Range
$38 - $70Buy now
Rating
A++
Plan life
364 days
Underwriter
Lloyds, London
Acute onset of pre-existing condition
Covers up to the age of 79 years
In network: Plan pays 100% up to policy maximum
Out of network: Plan pays 100% up to policy maximum
Direct billing: Through United healthcare network
Medical Evacuation
Up to 25K
Max Coverage
Maximum limit upto 2M
Deductible
$0, $100, $250, $500, $1k, $2.5K or $5k
Cost Range
$114Buy now
Rating
A++
Plan life
364 days
Underwriter
Lloyds, London
Acute onset of pre-existing condition
Covers up to the age of 79 years
In network: Plan pays 100% up to policy maximum
Out of network: Plan pays 100% up to policy maximum
Direct billing: Through United healthcare network
Medical Evacuation
Up to 1M
Max Coverage
Maximum limit upto 2M
Deductible
$0, $100, $250, $500, $1k, $2.5K or $5k
Cost Range
$142Buy now
Rating
A++
Plan life
364 days
Underwriter
SiriusPoint Specialty Insurance Corporation
PPO
Acute onset of pre-existing condition
Covers up to the age of 70 years
Medical Evacuation
Up to 25K
Max Coverage
Maximum limit upto 100K
Deductible
$0 per certificate period
Cost Range
Buy now
Rating
A (Excellent)
Plan life
5 to 364 days
Underwriter
Zurich Insurance Europe AG Belgian branch
PPO
Acute onset of pre-existing condition
Covers up to the age of 69 years
Medical Evacuation
Up to 100K
Max Coverage
Maximum limit upto 170K
Deductible
$0
Cost Range
$26Buy now
Rating
A (Excellent)
Plan life
5 to 364 days
Underwriter
Zurich Insurance Europe AG Belgian branch
Pre-existing condition
Up to $1K unexpected recurrence
In network: Plan pays 90% of coinsurance for the first $2,500 then 100% up to the policy maximum.
Out of network: Plan pays 90% of coinsurance for the first $2,500 then 100% up to the policy maximum.
Direct billing: Through First healthcare network
Medical Evacuation
Up to 1M
Max Coverage
50k, $100k, 250k, 500k, 1M
Deductible
$0, $100, $250, $500, $1k, $2.5k, $5k
Cost Range
$107Buy now
Rating
A (Excellent)
Plan life
5 to 364 days
Underwriter
Zurich Insurance Europe AG Belgian branch
Acute onset of Pre-existing condition
Covers up to $25K
In network: Plan pays 100% up to policy maximum
Out of network: Plan pays 100% up to policy maximum
Direct billing: Through First healthcare network
Medical Evacuation
Up to 1M
Max Coverage
$20k, $50k, $100k, $250k, $500k, $1M
Deductible
$0, $100, $250, $500, $1k, $2.5k, $5k
Cost Range
$116Buy now
Rating
A (Excellent)
Plan life
5 to 364 days
Underwriter
Zurich Insurance Europe AG Belgian branch
Pre-existing condition
Unexpected recurrence up to $1K
In network: Plan pays 80% of coinsurance for the first $5,000 then 100% up to the policy maximum.
Out of network: Plan pays 80% of coinsurance for the first $5,000 then 100% up to the policy maximum.
Direct billing: Through First healthcare network
Medical Evacuation
Up to 1M
Max Coverage
$50k, $100k, $250k, $500k, $1M
Deductible
$0 ,$50, $100, $250, $500, $1k, $2.5k, $5k
Cost Range
$96Buy now
Rating
A (Excellent)
Plan life
15 days to 365 days
Underwriter
Crum & Forster,SPC
Pre-existing condition
Covers after 24 months of waiting period
In network: Plan pays 80% of eligible expenses up to $5,000, then 100% up to the maximum Limit.
Out of network: Plan pays 80% of eligible expenses up to $5,000, then 100% up to the maximum Limit.
Direct billing: No PPO
Medical Evacuation
Up to $250K
Max Coverage
Maximum limit up to $1M
Deductible
$0, $50, $100, $250, $500, $1k, $2.5k, $5k
Cost Range
$163Buy now
Rating
A (Excellent)
Plan life
15 days to 365 days
Underwriter
Crum & Forster,SPC
Acute Onset of Pre-existing condition
Covers under age 70
In network: Plan pays 80% of eligible expenses up to $5,000, then 100% up to the maximum Limit.
Out of network: Plan pays 80% of eligible expenses up to $5,000, then 100% up to the maximum Limit.
Direct billing: No PPO
Medical Evacuation
Up to $250K
Max Coverage
Maximum limit up to $1M
Deductible
$0, $50, $100, $250, $500, $1k, $2.5k, $5k
Cost Range
$1082Buy now
Rating
A (Excellent)
Plan life
5 days to 364 days
Underwriter
Lloyd's of London
PPO
Acute onset of Pre-existing condition
Covers under age 65 up to 10K
Medical Evacuation
Up to $500K
Max Coverage
Max limit up to $250K
Deductible
$0 - $1k
Cost Range
$43 - $93Buy now
Rating
A (Excellent)
Plan life
5 days to 364 days
Underwriter
Lloyd's of London
Acute onset of Pre-existing condition
Covers under age 60 up to 200K
In network: Plan pays 100% of eligible expenses, after the deductible, to the overall maximum limit.
Out of network: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
Direct billing: Through First health care network or United healthcare
Medical Evacuation
Lifetime maximum up to $1M
Max Coverage
Max limit up to $2M
Deductible
$0, $500, $1K, $2.5k
Cost Range
$96 - $107Buy now
Rating
A (Excellent)
Plan life
Up to 364 days
Underwriter
Crum & Forster, SPC
PPO
Acute onset of Pre-existing condition
Covers up to age 79 years
Medical Evacuation
Up to $250K
Max Coverage
Max limit up to $100K
Deductible
Up to $2K
Cost Range
$55Buy now
Rating
A (Excellent)
Plan life
5 days to 364 days
Underwriter
Crum & Forster, SPC
PPO
Acute onset of Pre-existing condition
Covers up to age 79 years
Medical Evacuation
Up to $250K
Max Coverage
Max limit up to $100K
Deductible
Up to $200
Cost Range
$81Buy now
Rating
A (Excellent)
Plan life
5 days to 364 days
Underwriter
Crum & Forster, SPC
Acute onset of Pre-existing condition
Covers up to age 79 years
In network: Plan pays 100% to the medical maximum
Out of network: Plan pays 80% of eligible expenses up to $10,000, then 100% up to the maximum Limit.
Direct billing: Through United healthcare network
Medical Evacuation
Up to $250K
Max Coverage
$50k, $100k, $500k, $1M
Deductible
$0, $100, $250, $500, $1k, $2.5k
Cost Range
$100Buy now
Rating
A (Excellent)
Plan life
5 days to 364 days
Underwriter
Crum & Forster, SPC
Acute onset of Pre-existing condition
Covers under 80 years
In network: Plan pays 100% to the medical maximum
Out of network: Plan pays 90% of eligible expenses up to $10,000, then 100% up to the maximum Limit.
Direct billing: Through United healthcare network
Medical Evacuation
Up to $250K
Max Coverage
$50k, $100k, $500k, $1M
Deductible
$0, $100, $250, $500, $1k, $2.5k
Cost Range
$136Buy now
Rating
A by A.M. Best
Plan life
364 days (Minimum Enrolment 90 days)
Underwriter
Crum & Forster SPC
PPO
Pre-existing condition
Covers Full Pre-existing conditons coverage upto 99 years
Medical Evacuation
Up to $20K
Max Coverage
Up to $1M (0 - 69 years); $100K (70 - 99 years)
Deductible
Up to $5K
Cost Range
Buy now
Rating
A by A.M. Best
Plan life
364 days (Minimum Enrolment 90 days)
Underwriter
Crum & Forster SPC
PPO
Pre-existing condition
Not covered
Medical Evacuation
Up to $20K
Max Coverage
Up to $300K (0 - 69 years); $75K (70 - 99 years)
Deductible
Up to $5K
Cost Range
Buy now
Rating
A by A.M. Best
Plan life
364 days (Minimum Enrolment 90 days)
Underwriter
Crum & Forster SPC
Pre-existing condition
Up to $1M
In network: Plan pays 80% of charges up to the total Maximum.
Out of network: Plan pays 60% of the Usual and Customary Charges up to the Total Maximum.
Direct billing: Through United healthcare
Medical Evacuation
Up to $25K
Max Coverage
Up to $1M (0 - 69 years); $75K (70 - 99 years)
Deductible
Up to $5K
Cost Range
Buy now
Rating
A by A.M. Best
Plan life
364 days (Minimum Enrolment 90 days)
Underwriter
Crum & Forster SPC
Pre-existing condition
Covers Full Pre-existing conditions up to 99 years
In network: Plan pays 90% of charges up to the total Maximum
Out of network: Plan pays 70% of the Usual and Customary Charges up to the Total Maximum
Direct billing: Through United healthcare
Medical Evacuation
Up to $50K
Max Coverage
Up to $300K (0 - 69 years); $75K (70 - 99 years)
Deductible
Up to $5K
Cost Range
Buy now
Rating
A by A.M. Best
Plan life
364 days (Minimum Enrolment 90 days)
Underwriter
Crum & Forster SPC
Pre-existing condition
Covers Full Pre-existing conditions up to 99 years
In network: Plan pays 90% of charges up to the total Maximum
Out of network: Plan pays 70% of the Usual and Customary Charges up to the Total Maximum
Direct billing: Through United healthcare
Medical Evacuation
Up to $25k
Max Coverage
Up to $1M (0 - 69 years); $75K (70 - 99 years)
Deductible
Up to $5K
Cost Range
Buy now
Rating
A by A.M. Best
Plan life
364 days (Minimum Enrolment 90 days)
Underwriter
Crum & Forster SPC
Pre-existing condition
Not covered
In network: Plan pays 80% of charges up to the total Maximum
Out of network: Plan pays 60% of the Usual and Customary Charges up to the Total Maximum
Direct billing: Through United healthcare
Medical Evacuation
Up to $25k
Max Coverage
Up to $1M (0 - 69 years); $75K (70 - 99 years)
Deductible
Up to $5K
Cost Range
Buy now
"After rigorous searching for suitable student health insurances online, I stumbled upon the American visitor Insurance."
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International travel while wonderful requires having the best travel insurance for visitors in the USA. Foreign health insurance plans do not offer adequate coverage in the US, hence making it important to buy the best visitor medical insurance. Travel health insurance for tourists in USA is important as US healthcare is expensive and closely linked to the insurance industry. Simply having the best travel insurance for USA visitors reduces hospital bills as part of an insurance preferred provider organisation (PPO) network while also providing coverage for medical emergencies.
Visitor insurance in USA or the best health insurance for B2 visa holders reduces hospital expenses. American visitor insurance offers the best US tourist insurance plans for all ages and visa types, including Green Card holders (permanent residents). Travelers can use the visitors medical insurance cost calculator to review prices and coverage details by different US insurance companies for visitor visa health insurance USA plans.
The important travel health insurance for USA benefits are listed below. Travelers can use the visitors medical insurance cost calculator to review prices and coverage details by different US insurance companies for visitor visa health insurance USA plans.
stethoscope Doctors visit
This allows travelers to visit Doctors for sudden
local_pharmacy Pharmacy drugs
Doctor prescribed eligible pharmacy drugs are also covered.
ecg_heart Visitors medical insurance coverage for pre-existing conditions
A pre-existing condition is a medical ailment that existed before the start of the US holiday insurance for visitors coverage. Conditions considered as pre-existing diseases include Asthma, heart related issues, high blood pressure, kidney disease, cancer, diabetes etc. It is difficult to find health insurance for tourists in USA that covers pre-existing conditions. Only some tourist health insurance cover pre-existing conditions with INF being one such company. Some INF visitor insurance in USA plans insures in-patient, out-patient, urgent care, specialist and doctor visits related to pre-existing conditions.
favorite 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_services 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.
local_hospital 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. While this depends on the tourist health insurance chosen, one can get repatriation coverage up to $50,000.
dentistry Emergency dental coverage
Emergency dental coverage up to $300 is available for acute onset of pain to natural teeth.
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. The cheapest visitor health insurance USA is a fixed benefit plan because it only covers a set amount for each medical expense. Within those parameters, you can choose an economical fixed plan or a more expensive, but complete comprehensive plan. The downside is that you only know what the insurance company will pay on your behalf; you may owe a little or a lot -- it will all depend on how much, specifically, for each service, you are charged. Someone in their Thirties will pay about $40 per month for a fixed plan or $60 for a comprehensive plan if traveling to USA from Europe. That same person would only pay $30 for a comprehensive plan to go to Europe. The price is usually double for someone in their Sixties, and even more for older travelers.
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.
The cheapest travel insurance for USA starts from $20 per month with options up to $191 per month. The cost depends on the age of the visitor, medical maximum coverage and deductible.
| Plan Name | Plan maximum | Deductible | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|---|
| Safe Travels Advantage | $25,000 - $150,000 | $0 | $20 - $58 | $39 - $102 | $60 - $166 |
| Visitors care | $25,000 - $100,000 | $100 | $21 - $45 | $40 - $75 | $66 - $148 |
| Safe Travels Elite | $25,000 - $175,000 | $0 | $26 - $76 | $50 - $134 | $109 - $155 |
| Visit USA Budget | $50,000 - $150,000 | $250 | $32 - $56 | $49 - $86 | $84 ($50,000) |
| VisitorSecure | $50,000 - $130,000 | $100 | $34 - $62 | $55 - $76 | $96 - $139 |
| Travel Medical USA visitor basic | $50,000 - $150,000 | $100 | $42 - $52 | $79 - $94 | $173 - $191 |
The average cost of fixed benefit visitors travel insurance for USA is based on quotes for one month. Source: AMERICAN VISITOR INSURANCE®
The best travel insurance cost for USA ranges from $58 to $353 per month. The cost depends on the age of the visitor, medical maximum coverage and deductible.
| Plan name | Plan maximum | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|
| Atlas Essential America | $50,000 - $1,000,000 | $58 - $109 | $131 - $266 | $263 - $328 |
| Safe Travels USA Cost Saver | $50,000 - $1,000,000 | $71 - $117 | $139 - $250 | $237 - $299 |
| Visitors Preferred | $50,000 - $1,000,000 | $77 - $144 | $148 - $301 | $253 ($50,000) |
| Patriot America Lite | $50,000 - $1,000,000 | $78 - $146 | $137 - $274 | $234 ($50,000) |
| Atlas America | $50,000 - $2,000,000 | $78 - $154 | $177 - $378 | $355 - $444 |
| Patriot America Plus | $50,000 - $1,000,000 | $78 - $147 | $177 - $307 | $355 ($50,000) |
| Travel Medical Basic | $50,000 - $1,000,000 | $80 - $138 | $167 - $314 | $252 - $337 |
| Safe Travels USA | $50,000 - $1,000,000 | $80 - $157 | $147 - $295 | $252 - $332 |
| Diplomat America | $50,000 - $1,000,000 | $125 -$214 | $229 - $301 | $353 ($50,000) |
The average cost of comprehensive travel insurance for USA is based on quotes for one month with $250 deductible. Source: AMERICAN VISITOR INSURANCE®
A fixed benefit or scheduled benefits travel insurance plan is the cheapest US travel insurance plan. This is because the Fixed benefit travel insurance have a fixed limit of coverage for different medical benefits. Fixed benefit international travel medical insurance works well for small ailments but can be inadequate for more serious medical conditions involving hospitalisation.
Comprehensive travel insurance provide full coverage for medical expenses up to the policy medical maximum limit. As opposed to fixed benefit international travel medical insurance there are no coverage limits for each benefit. It is much more expensive when compared to fixed benefit plans but also provides significantly superior coverage especially in case of a serious medical emergency or hospitalisation.
Absolutely! This is generally when we recommend that you make your purchase. However, we can always change the dates on a policy if that is needed. Shifting dates will take about a business day to get your documents updated and back to you. If you want to get a trip cancellation policy, the best time to make your purchase is within 10 days or so from your first deposit for your trip. This gives you the best coverage for your trip (including pre-existing conditions, if that is an issue).
The travel insurance for USA visitors claim can be filed by submitting a scanned copy of the hospital bill and receipts to the insurance company by email along with the completed claims form. The customer gets the money reimbursed from the insurance company after they receive the bill. If the hospital provider and insurance company agree for the direct billing, then the doctor's provider can directly send the bill to the insurance company and they can pay the money directly to the doctor.
For seniors above the age of 70, most of the plans provide a lower policy maximum. One or two plans provide a policy maximum of $100,000 and $50,000. Seniors visiting the US who are Non US citizens above 70 can purchase Atlas America, Safe Travels USA, Safe Travels USA Comprehensive, Safe Travels USA Cost Saver, Travel Medical Plus. Seniors above 80 and Non US citizens coming to the US can purchase Safe Travels USA Comprehensive, Safe Travels USA, Safe Travels USA Cost Saver.
Some countries (like the Schengen countries in Europe) require proof of travel insurance as part of the visa application process, while some others do not. However even if travel medical insurance is not required for your visa, it is highly recommended to have it when traveling abroad given the relative cost of travel insurance when compared to the cost of international travel and value of having good travel insurance while outside one’s home country.
Thank you for contacting us at American Visitor Insurance for your visitor medical insurance needs!. Yes! You can purchase a policy for someone already in the US. Of course, we suggest you purchase from the day they leave until the day they return home to be fully covered for any medical situation that should arise on their trip. If you purchase it later, of course, it will only cover future medical conditions. If your traveler is already sick, this illness will not be covered by the insurance you purchase.
Hopefully this is not the situation. The form when you make your purchase may be slightly awkward since it assumes the visitor has not left their home country. If the form does not allow you to put a past date for "date of departure" from home country, use tomorrow as the soonest date.
The soonest you can start a policy is tomorrow. Please let us know if we can help you in any further.
Sincerely,Travel insurance resources for emergency while outside your home country.
Explore »Factors to consider while deciding on the best visitor medical insurance.
Explore »Types of US visitor health insurance, fixed benefits vs comprehensive coverage.
Explore »Insurance claims process for using insurance and getting healthcare in a hospital.
Explore »Compare travel medical insurance quotes for best travel insurance for USA.
Click here to read more »
Comparison of Fixed benefit and Comprehensive US travel insurance.
Click here to read more »
Comparing insurance to find the best plan for your needs.
Click here to read more »
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