A long stay in the USA whether for family visits, caregiving, or extended travel requires specialized health insurance coverage.
Visitors staying in the United States for several months or longer face higher healthcare risks simply due to the length of stay, and U.S. medical costs can be overwhelming without proper insurance.
Long-stay visitor insurance is designed for parents and international visitors who remain in the USA for extended periods and may need flexibility, continuity of coverage, and protection against unexpected medical emergencies.
At American Visitor Insurance, we offer health insurance plans specifically suited for long stays in the USA, with coverage options that can continue for many months and be extended if travel plans change.
The longer a visitor stays in the USA, the greater the chance of needing medical care. Even minor illnesses or accidents can lead to expensive doctor visits, tests, or hospital stays.
If you or your loved ones are planning a long-stay visit (6 months–2 years) to the United States whether for family, extended trip, study break, or medical reasons choosing the right travel medical insurance is crucial. A good plan protects you from high U.S. healthcare costs, emergency evacuations, and (in some cases) pre-existing medical condition coverage.
Below are top visitor travel insurance plans recommended by American Visitor Insurance for long stays in the USA, ranked by coverage strength, benefits, and suitability for different traveler needs:
Patriot America Plus is one of the most popular long-stay visitor medical insurance plans for the USA, offering strong and reliable benefits for extended stays up to 24 months. This comprehensive travel medical insurance plan is ideal for parents, families, and international visitors who need long-term health coverage in the United States, offers broad medical benefits such as hospital stays, doctor consultations, prescription medications, and emergency transportation.
Patriot America Platinum is a premium long-stay visitor medical insurance plan offering very high coverage limits for extended stays in the USA. Ideal for parents and international travelers staying 6 months to 3 years, it provides comprehensive protection including hospitalization, emergency care, medical evacuation, and strong PPO network benefits making it a top choice for high-limit long-term travel insurance in the United States.
Atlas America is a popular long-term travel medical insurance USA plan offering flexible and affordable coverage for extended visits to the USA. Ideal for parents and international travelers staying up to 12 months (renewable), Includes coverage for inpatient hospitalization, emergency room visits, urgent care treatment and coverage for acute onset of pre-existing conditions making it a reliable choice for long-term travel medical insurance in the United States.
Visitors Protect stands out among IMG visitor insurance plans by offering true pre-existing condition coverage, not just acute onset benefits. Recognized as one of the best long-stay travel insurance plans for the USA, it is ideal for parents and international travelers with existing health conditions. Provides strong financial protection against unexpected medical expenses, including surgeries, specialist care, and medical evacuation. making it a strong choice for visitor insurance with pre-existing coverage during extended stays in the United States.
INF Elite X is an excellent and one of the most popular long-stay visitor insurance plans for the USA, offering coverage for full pre-existing conditions (as defined by the policy) along with future medical emergencies. Making it a reliable choice for parents and international travelers seeking strong long-term health insurance protection during extended stays in the United States.
| Plan Name | Pre-Existing Coverage | Max Medical Limit | Duration | Best For |
|---|---|---|---|---|
| Patriot America Plus | Acute Onset (under 70) | Up to $1,000,000 | 5 day to 364 days, renewable up to 3 yrs | Affordable long-term coverage with strong overall benefits |
| Patriot America Platinum | Acute Onset (under 70) | Up to $8,000,000 | 5 day to 364 days, renewable up to 3 yrs | Maximum coverage limits & premium protection |
| Atlas America | Acute Onset (under 70) | Up to $2,000,000 | 5 day to 364 days | Flexible medical & emergency |
| Venbrook Premier | Acute Onset (under 70) | Up to $1,000,000 | 5 day to 364 days | Wellness + medical support |
| Visitors Protect | Pre-existing (up to 99) | Up to $250,000 | 90–364 days | Visitors needing true pre-existing condition coverage |
| INF Elite X | Full Pre-existing condition (Up to 99) | Up to $1,000,000 | 90–364 days | Senior travelers with ongoing health conditions |
| INF Premier X | Full Pre-existing condition (Up to 99) | Up to $1,000,000 | 90–364 days | Budget-conscious travelers who prefer fixed benefit structure |
One of the key advantages of long-stay visitor insurance is flexibility. Many plans allow:
👉 This is especially important for parents and visitors whose return dates may change due to family needs or travel adjustments.
When selecting health insurance for a long stay in the USA, travelers should look for:
American Visitor Insurance helps visitors compare long-term visitor insurance plans and choose coverage that matches the length and nature of their stay.
With over 20 years of experience, American Visitor Insurance helps international travelers planning a long stay in the United States find reliable and affordable long-term visitor medical insurance. We understand the high cost of U.S. healthcare and guide visitors in choosing plans that provide continuous coverage for extended stays, including protection for illnesses, accidents, hospitalization, and emergency medical evacuation.
Our licensed insurance experts offer 24/7 customer support to assist visitors before and during their stay in the USA. Whether you are visiting for several months, staying with family, or transitioning to residency, we help you select the best travel insurance for long stay in the USA with flexible durations and renewal options.
