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Visitor health insurance for visitors to USA

Looking for the best visitor health insurance for the USA? Compare benefits of top-rated plans and buy the best plan!

We offer the best visitors health insurance plans for USA designed by top US Insurance providers. Visitors insurance plans vary based on the different coverage benefits offered. To help visitors to USA make an informed decision regarding visitors medical insurance we provide filters based on different coverage benefits. Travelers can now easily find the best US visitors medical insurance plans to fit their requirements. After filtering to find the best options, US visitors can compare details, get quotes and buy the best health insurance for visitors online.

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Which is the best insurance for visitors in USA?

Available plans

Safe Travels Advantage Insurance Fixed benefit

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star Rating: A (Excellent) edit_square Underwriter: Crum & Forster SPC
  • Cheap visitor health insurance for visitors to USA, up to 89 years old
  • Coinsurance: Pays 80% until $5,000 coinsurance is met, then pays full amount
  • Direct Billing: First healthcare network First health care Provider Network
  • Acute onset of pre-existing condition: Up to policy maximum for ages up to 89 years
  • Emergency medical evacuation: Unlimited
  • Urgent Care : Up to $130 visit(1 visit/day;30 visits max)
  • Renewable: Can be renewed and extended up to 364 days
  • Repatriation of Remains: Up to $25,000 per policy period

  • Policy maximum?
    $25,000, $50,000, $100,000 $150,000

  • Deductible options?
    $0

  • Period of coverage?
    5 days to 364 days

Visitors Care Insurance Fixed benefit

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star Rating: A(Excellent) edit_square Underwriter: SiriusPoint Specialty Insurance Corporation
  • Travel medical insurance for international travelers visiting the US, up to 99 years old.
  • Coinsurance: After deductible, pays a fixed sum
  • Direct Billing: First healthcare network First health care Provider Network or United HealthCare United Healthcare Provider Network
  • Acute onset of pre-existing condition: Covers under the age of 70 years
  • Emergency medical evacuation: Up to $50,000
  • Urgent Care : $85 max per visit/10 max visits
  • Renewable: For a maximum of 2 years.
  • Repatriation of Remains: Up to $25,000 per policy period

  • Policy maximum?
    $25,000, $50,000, $100,000

  • Deductible options?
    $0, $50, $100

  • Period of coverage?
    5 days to 2 years

Safe Travels Elite Insurance Fixed benefit

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star Rating: A(Excellent) edit_square Underwriter: Zurich Insurance Europe AG Belgian branch
  • Short term visitor health insurance for non-US citizens visiting the US.
  • Coinsurance: After deductible, pays a fixed sum
  • Direct Billing: First healthcare network First health care Provider Network
  • Acute onset of pre-existing condition: Covered up to policy maximum up to the age of 69
  • Emergency medical evacuation: Unlimited
  • Urgent Care : $75/visit (1 visit/day;30 visits max)
  • Renewable: Can be renewed up to 364 days
  • Repatriation of Remains: Up to $25,000 per policy period

  • Policy maximum?
    $25,000, $50,000, $75,000, $100,000, $175,000

  • Deductible options?
    $0

  • Period of coverage?
    5 days to 364 days

VisitorSecure Insurance Fixed benefit

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star Rating: AA- from Standard & Poor's and Fitch Ratings, and A++ (Superior) from A.M. Best edit_square Underwriter: Lloyd’s Syndicate 4141
  • Cheapest visitor health insurance for USA, up to 99 years old
  • Coinsurance: After deductible, pays a fixed sum
  • Direct Billing: First healthcare network First health care Provider Network
  • Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years
  • Emergency medical evacuation: Up to $50,000
  • Urgent Care : $130 allowable per visit, 10 visits max
  • Renewable: Can be renewed and extended up to 364 days
  • Repatriation of Remains: Up to $25,000

  • Policy maximum?
    $50,000, $75,000, $100,000, $130,000

  • Deductible options?
    $0, $50, $100

  • Period of coverage?
    5 days to 364 days

Visit USA Budget Insurance Fixed benefit

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star Rating: "A" (Excellent) edit_square Underwriter: Lloyd's of London Company
  • Affordable visit USA health insurance, up to 99 years old
  • Coinsurance: After deductible, pays a fixed sum
  • Direct Billing: No PPO, visit any doctor or hospital.
  • Acute onset of pre-existing condition: Coverage is $2,500 for individuals aged 65 and above and $20,000 for all others.
  • Emergency medical evacuation: $100,000 lifetime maximum
  • Renewable: Can be renewed and extended up to 364 days
  • Repatriation of Remains: Up to $25,000

  • Policy maximum?
    $50,000, $150,000

  • Deductible options?
    $0, $50, $100, or $250 per incident

  • Period of coverage?
    5 days to 364 days

Travel Medical USA Visitor Basic Insurance Fixed benefit

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star Rating: "A" (Excellent) edit_square Underwriter: Crum & Forster SPC
  • Cheap visitor insurance for Non US residents visiting the US, up to 99 years old
  • Coinsurance: After deductible, pays a fixed sum
  • Direct Billing: First healthcare network First health care Provider Network or United HealthCare United Healthcare Provider Network
  • Acute onset of pre-existing condition: Covers under the age of 79 years
  • Urgent Care : $100 per visit; 1 per day; 30 visits maximum
  • Emergency medical evacuation: Up to $100,000
  • Renewable: Can be renewed and extended up to 36 months
  • Repatriation of Remains: Up to $25,000

  • Policy maximum?
    $50,000, $100,000, $150,000

  • Deductible options?
    $0, $50, $1000, $200

  • Period of coverage?
    5 days to 364 days

INF Premier X Insurance Fixed benefit

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star Rating: "A" (Excellent) edit_square Underwriter: Crum & Forster SPC
  • Travel health insurance for visitors to USA with pre-existing conditions, up to 99 years old
  • Coinsurance: After deductible, pays 100% of the usual and customary charges
  • Direct Billing: United HealthCare United Healthcare Provider Network
  • Full Pre-Existing Conditions: Covers up to 99 years
  • Maternity:Covers emergency medical treatment for pregnancy
  • Emergency medical evacuation: Up to $85,000
  • Urgent Care : $25 copay 90 days after the date of Covered Accident
  • Renewable: Can be renewed and extended up to 364 days
  • Repatriation of Remains: Up to $30,000

  • Policy maximum?
    $100,000, $150,0000, $300,000, $500,000, $1,000,000

  • Deductible options?
    $75, $100, $250, $500, $1,000, $2,500, $5,000

  • Period of coverage?
    90 days to 364 days

Safe Travels USA Insurance Comprehensive benefit

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star Rating: "A" (Excellent) edit_square Underwriter: Zurich Insurance Europe AG Belgian branch
  • Best visitor medical insurance for USA, up to 89 years old
  • Coinsurance: After deductible, plan pays 90% of first $2,500 then 100% up to the policy max.
  • Direct Billing: First healthcare network First health care Provider Network
  • Unexpected recurrence of a pre-existing condition Up to $1,000 for those up to age 69
  • Emergency medical evacuation: 100% up to $1,000,000
  • Maternity: Emergency medical treatment for pregnancy up to $1,000
  • Urgent Care : $30 per incident; no copayment if deductible is $0.
  • Optional add-on benefits
  • Renewable: Can be renewed and extended up to 364 days
  • Repatriation of Remains: Up to $50,000

  • Policy maximum?
    $50,000, $100,000, $250,000, $500,000, $1,000,000

  • Deductible options?
    $0, $100, $250, $500, $1,000, $2,500, $5,000

  • Period of coverage?
    5 days to 364 days

Patriot America Lite Insurance Comprehensive benefit

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star Rating: "A" (Excellent) edit_square Underwriter: SiriusPoint Specialty Insurance Corporation
  • Best medical insurance for visitors to USA, up to 99 years
  • Coinsurance: In-network: After deductible, plan pays 100%
    Out-of-network: After deductible, pays 80% up to $1,000, then 100% up to the max limit
  • Direct Billing: First healthcare network First health care Provider Network or United HealthCare United Healthcare Provider Network
  • Pre-existing condition: Not covered
  • Emergency medical evacuation: Up to $1,000,000
  • Urgent Care : $30 per incident; no copayment if deductible is $0.
  • Optional add-on benefits
  • Renewable: Can be renewed and extended up to 24 months
  • Repatriation of Remains: Up to maximum limit

  • Policy maximum?
    $50,000, $100,000, $250,000, $500,000, $1,000,000

  • Deductible options?
    $0, $100, $250, $500, $1,000, $2,500

  • Period of coverage?
    5 days to 364 days

Visitors Preferred Insurance Comprehensive benefit

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star Rating: “A-” by A.M. Best edit_square Underwriter: SiriusPoint Specialty Insurance Corporation
  • Travel medical insurance for non-US citizens visiting the US, up to 99 years
  • Coinsurance: In-network: After deductible, plan pays 100%
    Out-of-network: After deductible, plan pays 80% up to maximum limit
  • Direct Billing: First healthcare network First health care Provider Network or United HealthCare United Healthcare Provider Network
  • Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years
  • Emergency medical evacuation: Up to $1,000,000
  • Urgent Care : $15 per incident; no copayment if deductible is $0.
  • Optional add-on benefits
  • Renewable: Can be renewed and extended up to 24 months
  • Repatriation of Remains: Up to the period of coverage limit

  • Policy maximum?
    $50,000, $100,000, $500,000, $1,000,000

  • Deductible options?
    $0, $100, $250, $500, $1,000 $2,500

  • Period of coverage?
    5 days to 12 months

Venbrook Premier Insurance Comprehensive benefit

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star Rating: A (Excellent) by AM Best Company 2024 edit_square Underwriter: Crum & Forster SPC
  • Visitor medical insurance for non-US citizens traveling to the US, up to 99 years old
  • Coinsurance: After deductible, plan covers 100% up to the maximum
  • Direct Billing: No PPO, visit any doctor or hospital
  • Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years
  • Emergency medical evacuation: Up to $1,000,000
  • Urgent Care : $30 copay if the $0 deductible is chosen
  • Optional add-on benefits
  • Renewable: Can be renewed and extended up to 364 days
  • Repatriation of Remains: Up to $50,000 per policy period

  • Policy maximum?
    $50,000, $100,000, $250,000, $500,000, $1,000,000

  • Deductible options?
    $0, $100, $250, $500, $1,000 $2,500, $5,000

  • Period of coverage?
    5 days to 12 months

Atlas America Insurance Comprehensive benefit

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star Rating: Rating: A++ (Superior) edit_square Underwriter: Lloyds, London
  • Medical insurance for non-US citizens traveling to the US, up to 99 years old
  • Coinsurance: After deductible, plan pays 100% up to policy maximum
  • Direct Billing: Unitedhealthcare United Healthcare Provider Network
  • Acute onset of pre-existing condition: Up to policy maximum for ages up to 79 years
  • Emergency medical evacuation: Up to $1,000,000
  • Maternity: Covers complications of pregnancy in the first 26 weeks
  • Urgent Care : 15 per incident; no copayment if deductible is $0
  • Border entry Protection: Up to $500 if denied entry to the U.S. on a valid B-2 visa.
  • Adventure Sports: Includes coverage for eligible sports injuries and illnesses during vacation at no additional cost
  • Optional add-on benefits
  • Renewable: Can be renewed and extended up to 364 days
  • Repatriation of Remains: Equal to the elected overall maximum limit

  • Policy maximum?
    $50,000, $100,000, $250,000, $500,000, $1,000,000, $2,000,000

  • Deductible options?
    $0, $100, $250, $500, $1,000, $2,500, $5,000

  • Period of coverage?
    364 days

Visit USA HealthCare Superior Insurance Comprehensive benefit

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star Rating: "A" (Excellent) edit_square Underwriter: Lloyd's of London
  • Visitor insurance for Non US citizens traveling to the US, up to 99 years old
  • Coinsurance: In-network: After deductible, plan pays 100%
    Out-of-network: Usual, reasonable and customary charges
  • Direct Billing: Unitedhealthcare United Healthcare Provider Network or First HealthCare First health care Provider Network
  • Acute onset of pre-existing condition: Covers up to $25,000, with a limit of $2,500 for those aged 65 and above
  • Emergency medical evacuation: Up to $500,000
  • Urgent Care : $50 co-payment (waived for members with $0 deductible)
  • Optional add-on benefits
  • Renewable: Can be renewed and extended up to 364 days
  • Repatriation of Remains:Up to overall maximum limit

  • Policy maximum?
    $100,000, $250,000

  • Deductible options?
    $0, $50, $100, $250

  • Period of coverage?
    364 days

Safe Travels USA Comprehensive Insurance Comprehensive benefit

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star Rating: "A" (Excellent) edit_square Underwriter: Zurich Insurance Europe AG Belgian branch
  • Available for non U.S. citizens / residents visiting the USA, up to 89 years old
  • Coinsurance: After deductible, plan pays 100% up to the policy maximum
  • Direct Billing: First HealthCare First health care Provider Network
  • Acute onset of pre-existing condition: Up to policy maximum for those up to age 69
  • Emergency medical evacuation: 100% up to $1,000,000
  • Maternity: Emergency medical treatment for pregnancy, up to $1,000
  • Urgent Care : $30 per incident; no copayment if deductible is $0
  • Optional add-on benefits
  • Renewable: Can be renewed and extended up to 364 days
  • Repatriation of Remains:Up to $50,000

  • Policy maximum?
    $50,000, $100,000, $250,000, $500,000, $1,000,000

  • Deductible options?
    $0, $100, $250, $500, $1,000, $2,500, $5,000

  • Period of coverage?
    5 days to 364 days

Patriot America Plus Insurance Comprehensive benefit

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star Rating: “A” (Excellent) by A.M. Best and “A-” by Standard & Poor’s edit_square Underwriter: SiriusPoint Specialty Insurance Corporation
  • Best travel medical insurance for non-US citizens visiting the US, up to 99 years old
  • Coinsurance: In-network: After deductible, plan pays 100%
    Out-of-network: After deductible, pays 90% of eligible expenses up to $500, then 100%
  • Direct Billing: First HealthCare First health care Provider Network or Unitedhealthcare United Healthcare Provider Network
  • Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years
  • Emergency medical evacuation: Up to $1,000,000
  • Urgent Care : $30 per incident; no copayment if deductible is $0
  • Optional add-on benefits
  • Renewable: Can be renewed and extended up to 24 months
  • Repatriation of Remains:Up to maximum limit

  • Policy maximum?
    $50,000, $100,000, $250,000, $500,000, $1,000,000

  • Deductible options?
    $0, $100, $250, $500, $1,000, $2,500

  • Period of coverage?
    5 days to 12 months

Travel Medical Choice Insurance Comprehensive benefit

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star Rating: Rating: “A (Excellent)” edit_square Underwriter: Crum & Forster SPC
  • Medical coverage for international travelers visiting United States, up to 99 years
  • Coinsurance: In-network: After deductible, plan pays 100%
    Out-of-network: After deductible, pays 90% of the first $10,000 in expenses, then 100%
  • Direct Billing: Unitedhealthcare United Healthcare Provider Network
  • Acute onset of pre-existing condition: Up to policy maximum for ages up to 79 years
  • Emergency medical evacuation: Up to $500,000
  • Urgent Care : URC to medical maximum; $20 copay
  • Optional add-on benefit
  • Renewable: Can be renewed and extended up to 364 days
  • Repatriation of Remains:Up to $50,000

  • Policy maximum?
    $50,000, $100,000, $250,000, $500,000, $1,000,000

  • Deductible options?
    $0, $100, $250, $500, $1,000, $2,500

  • Period of coverage?
    5 days to 12 months

Diplomat America Insurance Comprehensive benefit

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star Rating: AM Best Rating: "A" (Excellent) edit_square Underwriter: Underwritten by Crum & Forster, SPC
  • Coverage for non-US residents traveling to the USA, up to 99 years old
  • Coinsurance: After deductible, plan pays 80% of eligible costs up to $5,000, then 100% up to the medical maximum
  • Direct Billing: No PPO, visit any doctor or hospital
  • Acute onset of pre-existing condition: Up to policy maximum for those up to age 69
  • Emergency medical evacuation: Up to $250,000
  • Optional add-on benefits
  • Renewable: Can be renewed and extended up to 364 days
  • Repatriation of Remains:Up to $50,000

  • Policy maximum?
    $50,000, $100,000, $250,000, $500,000 $1,000,000

  • Deductible options?
    $0, $50, $100, $250, $500, $1,000, $2,500, $5,000

  • Period of coverage?
    15 days to 365 days

Atlas America Premier Insurance Comprehensive benefit

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star Rating: Rating: A++ (Superior) Standard & Poor’s Rating AA- edit_square Underwriter: Lloyds, London
  • Perfect for travelers up to 99 seeking superior medical coverage with high limits in the USA.
  • Coinsurance: After deductible, plan pays 100% up to policy maximum
  • Direct Billing: Unitedhealthcare United Healthcare Provider Network
  • Acute onset of pre-existing condition: Up to policy maximum for ages up to 79 years
  • Emergency medical evacuation: Up to $1,000,000 lifetime maximum
  • Maternity: Covers complications of pregnancy in the first 26 weeks
  • Urgent Care : 15 per incident; no copayment if deductible is $0
  • Border entry Protection: Up to $500 if denied entry to the U.S. on a valid B-2 visa
  • Adventure Sports: Covers eligible sports injuries and illness during vacation at no extra cost.
  • Renewable: Can be renewed and extended up to 364 days
  • Repatriation of Remains:Equal to the elected overall maximum limit

  • Policy maximum?
    $50,000, $100,000, $250,000, $500,000, $1,000,000, $2,000,000

  • Deductible options?
    $0, $100, $250, $500, $1,000, $2,500, $5,000

  • Period of coverage?
    364 days

Patriot America Platinum Insurance Comprehensive benefit

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star Rating: AM Best Rating "A" (Excellent) edit_square Underwriter: SiriusPoint Specialty Insurance Corporation
  • Ideal for travelers up to 99 seeking first-class medical coverage in the USA.
  • Coinsurance: In-network: After deductible, 100% coverage
    Out-of-network: After deductible, plan pays 100% upto policy maximum
  • Direct Billing: First healthcare network First health care Provider Network or Unitedhealthcare United Healthcare Provider Network
  • Acute onset of pre-existing condition: Up to policy maximum for ages up to 70 years
  • Emergency medical evacuation: Up to maximum limit
  • Urgent Care : 30 per incident; no copayment if deductible is $0
  • Optional add-on benefits
  • Renewable: Can be renewed and extended up to 36 months
  • Repatriation of Remains:Up to overall maximum limit

  • Policy maximum?
    $1,000,000, $2,000,000, $5,000,000, $8,000,000

  • Deductible options?
    $0, $100, $250, $500, $1,000, $2,500, $5,000, $10,000, $25,000

  • Period of coverage?
    15 days to 365 days

Visitors Protect Insurance Comprehensive benefit

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star Rating: A- edit_square Underwriter: SiriusPoint Specialty Insurance Corporation
  • Best pre-existing conditions travel insurance for U.S., Canada, and Mexico, up to 99 years
  • Coinsurance: In-network: After deductible, pays 75%
    Out-of-network: After deductible, pays 60% up to $5,000, then 100% to the max limit.
  • Direct Billing: First healthcare network First health care Provider Network or Unitedhealthcare United Healthcare Provider Network
  • Full Pre-existing conditions: Covers up to 99 years, $25,000 under 70, $20,000 for 70+
  • Emergency medical evacuation: Up to $25,000
  • Urgent Care : 15 per incident; no copayment if deductible is $0
  • Renewable: Can be renewed and extended up to 364 days
  • Repatriation of Remains:Up to overall maximum limit

  • Policy maximum?
    $50,000, $100,000, $250,000, $500,000 $1,000,000

  • Deductible options?
    $0, $50, $100, $250, $500, $1,000, $2,500, $5,000

  • Period of coverage?
    15 days to 365 days

INF Elite X Insurance Comprehensive benefit

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star Rating: AM Best Rating "A" (Excellent) edit_square Underwriter: Underwritten by Crum & Forster, SPC
  • Best health insurance for visitors to USA with pre-existing conditions, up to 99 years old
  • Coinsurance: In-network: After deductible, pays 80%
    Out-of-network: After deductible, pays 60% of usual, reasonable & customary charges
  • Direct Billing: Unitedhealthcare United Healthcare Provider Network
  • Full Pre-Existing Conditions: Covers up to 99 yearsCovers up to 99 years
  • Emergency medical evacuation: Up to $25,000
  • Maternity: Covers emergency medical treatment of pregnancy
  • Urgent Care : Covered with $50 copay
  • Renewable: Can be renewed and extended up to 364 days
  • Repatriation of Remains:Up to $20,000

  • Policy maximum?
    $150,0000, $300,000

  • Deductible options?
    $500, $1,000, $2,500, $5000

  • Period of coverage?
    90 days to 364 days

Diplomat Long Term insurance Comprehensive benefit

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star Rating: AM Best Rating: "A" (Excellent) edit_square Underwriter: Underwritten by Crum & Forster, SPC
  • Coverage for non-US residents traveling to the USA, up to 99 years old
  • Coinsurance: After deductible, plan pays 80% of eligible costs up to $5,000, then 100% up to the medical maximum
  • Direct Billing: No PPO, visit any doctor or hospital
  • Sudden Recurrence of a Pre-existing Conditions: Up to $20,000 ($2,500 for 65+)
  • Emergency medical evacuation: Up to $250,000
  • Optional add-on benefits
  • Renewable: Can be renewed and extended up to 36 months
  • Repatriation of Remains:Up to $250,000

  • Policy maximum?
    $500,000, $1,000,000

  • Deductible options?
    $0, $50, $100, $250, $500, $1,000, $2,500, $5,000

  • Period of coverage?
    90 days to 364 days

What is visitors medical insurance for USA?

Visitors medical insurance for the USA is temporary, short term medical insurance designed specifically for international visitors to the United States. It offers coverage for unexpected medical expenses that may arise while visiting the U.S. This US visitors medical insurance helps pay for high healthcare costs in the US. These plans are ideal for non-US residents whose domestic health plans do not provide enough coverage while visiting the U.S.

Simply buying the best visitors medical insurance for US, or the best health insurance for B2 visa holders, significantly reduces hospital bills by being part of US Preferred Provider (PPO) networks. American Visitor Insurance works with reputed US insurance companies to offer visitors a variety of US tourist insurance plans for all ages and visa types, including Green Card holders (permanent residents) till they are eligible for domestic US health insurance. Travelers can use the visitor medical insurance cost calculator to compare prices and coverage details from different U.S. insurance companies to find the best visitor health insurance for USA

Why should I buy US travel health insurance?

US travel insurance for visitors is important as healthcare costs in the U.S. are very high. Without proper insurance, even a minor medical emergency can lead to overwhelming expenses. Here’s why you should consider buying US visitor medical insurance:

  • High medical costs: Healthcare in the U.S. is expensive, with doctor visits, hospital stays, and surgeries often costing thousands of dollars. Without insurance, you could be left paying for medical care out of pocket.
  • No universal health coverage: Unlike many other countries, the U.S. does not have universal healthcare. Most visitors are not covered by US travel health insurance plans, making it crucial to have a USA travel insurance policy that covers medical emergencies.
  • Emergency coverage: US travel insurance for visitors provides coverage for unexpected medical emergencies such as accidents, illnesses, or injuries. It can also cover medical evacuation or repatriation if you need to be transported to another facility or back to your home country.
  • Access to healthcare networks: Many visitor medical insurance USA plans provide access to a Preferred Provider Organization (PPO) network and ensures coverage for medical emergencies.
  • Coverage for pre-existing conditions: Some plans offer coverage for the acute onset of pre-existing conditions, providing additional protection for travelers with existing health conditions who might face medical emergencies during their stay.

What does best visitor health insurance USA cover?

Best visitor medical insurance USA covers a wide range of medical and emergency services for international travelers visiting to the US. The coverage can vary depending on the plan, but most visitors health insurance USA policies include:

  • Emergency medical treatment: Include doctor's visits, hospital stays, surgeries, urgent care and other necessary treatments.
  • Emergency medical evacuation: If you require emergency evacuation to a nearby hospital or back to your home country due to a serious illness or injury.
  • Repatriation of remains: Coverage will pay for the return of your body to your home country.
  • Prescription medications: Covers doctor prescribed eligible pharmacy drugs expenses.
  • Accidental Death and Dismemberment (AD&D): Coverage in the event of accidental death or loss of a limb or other serious injury due to an accident during your trip.
  • Pre-Existing conditions: Some plans cover the acute onset of pre-existing conditions.

How much does visitor health insurance USA cost?

Healthcare in the U.S. is extremely expensive, and without good travel health insurance, even a simple doctor’s visit can become a financial burden. In 2025, the cost of travel health insurance for visitors to the US ranges between $20 and $172 per month, depending on the age, the insurance company, the type of visitors insurance, the coverage limits, and whether you want coverage for pre-existing conditions. If you are looking for a cheap option, some plans cost as little as $1 to $5 per day, making it an affordable way to stay covered.

Why is travel insurance USA is so important ? A routine doctor’s visit can cost between $250 to $350, while a heart attack will leave you with a bill of at least $25,000. If you need to stay in the ICU after a stroke, the cost can exceed $150,000. Even something as routine as an echocardiogram ranges from $1,500 to $4,000, depending on where you get it. Emergency treatments for conditions like diabetes complications cost anywhere from $3,500 to $7,000, and if you need treatment for kidney failure, expect to pay over $30,000.

How much does cheap visitor insurance in USA cost?

Cheap visitor health insurance for visitors to USA starts at $19 per month for fixed benefit plans.

The cost of visitor insurance is calculated based on one-month quotes.

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 $19 - $41 $29 - $62 $64 - $144
Safe Travels Elite $25,000 - $175,000 $0 $25 - $71 $36 - $110 $105 - $150
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
Source: American Visitor Insurance®

How much does the best comprehensive visitor insurance cost per month?

The cost of comprehensive visitor insurance starts around $53 month, depending on factors such as age, coverage limits, deductible, and optional add-ons. Higher-tier plans with extensive coverage, including pre-existing condition benefits and lower deductibles, tend to be more expensive. On average, a good comprehensive health insurance plan costs $58 to $108 per month for a 35 year old traveler.

The best visitor health insurance for visitors to USA cost is calculated based on one-month quotes.

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
VenbrookPremier $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
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®

What factors affect the cost of visitor medical insurance for USA?

The visitor medical insurance for USA cost depends on various factors such as:

  • Age of the traveler: Older travelers usually pay higher premiums due to the increased risk of medical issues.
  • Medical maximum: Plans with higher coverage limits (e.g., $50,000, $100,000, or $1,000,000) will generally cost more.
  • Type of US travel insurance: Comprehensive plans (covering a wide range of medical services) tend to be more expensive than fixed benefit plans which has specific limit for each treatment.
  • Duration of stay: The cost of the trip insurance directly depends upon the length of travel.
  • Deductibles: Plans with higher deductibles are typically cheaper but require you to pay more out of pocket in case of a claim.
  • Any add on benefits: Additional add-on benefits to the basic insurance for tourist plan like adventure sports coverage, coverage for pre-existing conditions… will add to the overall cost.

How do I choose the right visitor health insurance for USA?

Choosing the right medical insurance for travel to USA is essential to avoid unexpected medical costs.

  • Type of travel health insurance: Comprehensive plans provide extensive coverage but come at a higher cost, whereas fixed benefit plans are more affordable but limit payouts per treatment.
  • Medical coverage limits: Choose a plan with at least $50,000 to $100,000 coverage, especially for hospitalization and emergencies.
  • Pre-existing condition coverage If you have existing medical conditions, look for a plan that offers a waiver or covers the acute onset of pre-existing conditions.
  • Deductibles & Co-Pays: Lower deductibles mean less out-of-pocket costs, but they may increase your premium.
  • Length of the stay: Ensure that the plan covers the full length of your stay in the US.
  • Provider Network and Claims process: Check if the plan has a wide PPO network (like UnitedHealthcare or First Healthcare), making it easier to find hospitals and doctors and offers an easy claims process.

Which visitors health insurance to buy?

Choosing the right health insurance while visiting USA depends on your purpose of travel and coverage needs.

Parents visiting the USA

Visitors insurance in USA for parents covers medical emergencies, hospitalization, and acute onset of pre-existing conditions.

Recommended plans:
  • Atlas America: Covers unexpected medical expenses and acute onset of pre-existing conditions up to age 80.
  • Patriot America Plus: Popular visitor medical insurance plan covers acute onset of pre-existing conditions for visitors aged under 70 years.
  • Safe Travels USA Comprehensive: Covers sudden recurrence of pre-existing conditions up to $1,000 for those under 70 and includes border medical benefits.
  • INF Elite X: Comprehensive travel medical insurance plan that offers full pre-existing conditions up to 99 years of age.

Business Travelers

Best visitor health insurance for visitors to USA provides coverage for urgent care, emergency medical evacuation and other travel related risks.

Recommended plans:
  • Atlas America Premium: It is a high-end travel medical insurance option suitable for business travelers. Offers acute onset of pre-existing conditions (up to age 80).
  • Patriot America Lite: Cost effective medical insurance plan that offers unexpected medical emergencies but does not cover pre-existing medical conditions.

Tourists & Short-Term Visitors

Short term visitor health insurance protects against unexpected medical expenses during the short stays in the USA.

Recommended plans:
  • VisitorsSecure: This plan is ideal for travelers seeking affordable and basic coverage during their short-term stay. Offers coverage up to chosen plan maximum for acute onset of pre-existing conditions.
  • Visitors Preferred: Cheapest short term visitor health insurance for individuals and families visiting the U.S. Covers acute onset of pre-existing conditions for visitors under 70 years of age.
  • Atlas America: This Plan offers comprehensive coverage during the short stay in the US. Covers acute onset of pre-existing conditions for travelers under 80 years of age.

Green Card Applicants

Offers temporary coverage for Green card applicants while waiting for Medicare eligibility.

Recommended plans:
  • Patriot America Plus: Is a comprehensive plan offering coverage up to $1,000,000, including protection for acute onset of pre-existing conditions and emergency medical evacuation.
  • INF Premier X: Best for long term Green card holders waiting on medicare eligibility. This plan offers coverage for full pre-existing conditions up to 99 years of age.

Visitor medical insurance for USA reviews

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Which are the best travel insurance companies in USA?

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.

Which are the best visitors insurance companies in USA?

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