Compare Comprehensive benefit U.S. visitor medical insurance plans and find coverage for acute onset of pre-existing conditions.
Looking for the best visitor medical insurance for the USA? Compare Visitors Protect and Patriot America Plus side-by-side and pick the right plan in seconds.
| Visitors Protect | ||
|---|---|---|
| Insurance Providers help | ||
| Underwriter | SiriusPoint Specialty Insurance Corporation | SiriusPoint Specialty Insurance Corporation |
| A.M. Best Rating | "A-" | "A" |
| Length of coverage help | 90 days to 1 years | 5 days to 1 year |
| Renewability help | Not renewable | Yes : Up to 1 year |
| Medical Maximum Options help | $50,000, $100,000, $250,000 | $50,000, $100,000, $250,000, $500,000, $1.000,000. |
| Deductible Options help | $250, $500, $1,000, $2,500, $5,000 | $0, $250, $500, $1,000, $2,500 |
| Medical Benefits | ||
| Hospital room and board help | Covered | Covered |
| Intensive care unit help | Covered | Covered |
| Surgery help | Covered | Covered |
| Emergency Services | ||
| Emergency local ambulance help | Covered | Covered |
| Dental | ||
| Emergency dental treatment help | Up to $300 max per period of coverage (Unexpected pain or treatment due to an accident) | $300 maximum limit due to accident or unexpected pain to sound natural teeth |
| Acute Onset of Pre-Existing Condition | ||
| Acute Onset of Pre-Existing Conditions help | Maximum limit through age 69: $25,000 Maximum limit ages 70 and older: $20,000 |
Covered under age 70 |
| Life | ||
| Common carrier AD&D help | Principal sum maximum limit: $25,000 | Principal sum maximum limit: $400,000 |
| Evacuation | ||
| Emergency medical evacuation help | Up to $25,000 lifetime maximum | Up to $1,000,000 |
| Return of mortal remains or cremation/burial help | Maximum Limit: $5,000 | Maximum Limit: $5,000 |
| Brochure and Details | ||
Last Updated: 2026
| Plan | Maximum Coverage | Notes |
|---|---|---|
| Visitors Protect | $50k – $250K | Suitable for short stays, budget-conscious travelers, coverage up to age 99 |
| Patriot America Plus | $50K – $1M | Higher coverage limits, senior-friendly options up to age 89, better protection for high-cost emergencies |
| Plan | Deductible | Notes |
|---|---|---|
| Visitors Protect | $250, $500, $1,000, $2,500, $5,000 | Higher deductible = lower premium |
| Patriot America Plus | $0, $100, $250, $500, $1,000, $2,500 | Plan pays immediately on covered benefits (subject to limits) |
✅ Note:No deductible is simpler and better for unexpected emergencies.
Both plans are Comprehensive visitor insurance, so coverage is capped at set amounts for each medical service.
⚠️ Note: Neither plan pays based on actual hospital bills they pay up to listed benefit amounts.
None of these plans cover chronic pre-existing conditions (like diabetes, hypertension, etc.) as ongoing illness coverage. What they do offer is coverage for the acute onset of a pre-existing condition, which means sudden complications that require immediate care.
| Plan | Acute Onset Coverage | Age Limit | Notes |
|---|---|---|---|
| Visitors Protect | In-Network: Maximum limit through age 69: $25,000 Out-Network: Maximum limit ages 70 and older: $20,000 |
Up to 99 years | Covers sudden complications only; no chronic condition coverage |
| Patriot America Plus | Covered up to plan maximum (with sub-limits for cardiac/stroke) | Under 70 | Covers sudden complications only; not ongoing treatment |
These plans are designed for unexpected medical emergencies during travel, not for regular treatment of chronic medical conditions.
| Plan | Underwriter | AM Best Rating |
|---|---|---|
| Visitors Protect | SiriusPoint Insurance | "A-" |
| Patriot America Plus | SiriusPoint Insurance | "A" |
Here’s the decision logic based on your priorities:
⚠️ Keep in mind: Maximum coverage is lower and many everyday limits are smaller.
💡 Visitor health plans typically do not cover routine or ongoing pre-existing treatments - only acute onset emergencies. Planned treatment or flare-ups may not be covered.
Both plans offer strong coverage for visitors to the U.S. Patriot America Plus starts from about $47 per month, while Visitors Protect Starting at $442 for 3 months travelers aged 18–29.
| Age of traveler | $50,000 | $100,000 | $250,000 |
|---|---|---|---|
| 18 – 29 years | $47 | $60 | $66 |
| 30 – 39 years | $58 | $79 | $93 |
| 40 – 49 years | $77 | $94 | $106 |
| 50 – 59 years | $128 | $157 | $195 |
| 60 -64 years | $164 | $212 | $231 |
| 65 – 69 years | $173 | $223 | $279 |
| 70 – 79 years | $287 | $434 | Not available |
For senior travelers aged 80–99: $790/month for $10,000 coverage with $250 deductible.
| Age of traveler | $50,000 | $100,000 | $250,000 |
|---|---|---|---|
| 18 – 29 years | $442 | $554 | $663 |
| 30 – 39 years | $526 | $658 | $789 |
| 40 – 49 years | $782 | $977 | $1173 |
| 50 – 69 years | $1117 | $1397 | $1677 |
| 70 – 79 years | $2685 | Not Available | Not available |
Visitors Protect cost for 3 months with a $250 deductible
Source: American Visitor Insurance®
What is Visitors Protect Travel Insurance?
Visitors Protect is a comprehensive travel medical insurance plan designed for international visitors traveling to the USA, Canada, or Mexico. It provides temporary medical coverage for accidents, illnesses, and emergency services during the trip
Who is eligible to buy Visitors Protect insurance?
The plan is available for travelers aged 14 days to 99 years who are visiting the USA, Canada, or Mexico and have departed their home country. U.S. citizens and permanent residents are not eligible.
What is the coverage duration for Visitors Protect?
The plan can be purchased for 90 days up to 12 months depending on the travel period.
What medical services are covered under the plan?
The plan may cover services such as doctor visits, hospitalization, emergency room treatment, prescription drugs, lab tests, surgery, medical evacuation, and emergency reunion.
Is Visitors Protect insurance suitable for parents visiting the USA?
Yes. Visitors Protect can be purchased by parents and senior travelers visiting the USA, provided they meet the eligibility requirements.
Can I purchase Visitors Protect after arriving in the USA?
In most cases, the plan must be purchased before the coverage start date, and eligibility may depend on the traveler’s arrival status.
Does the plan cover routine checkups or preventive care?
No. Visitors Protect is designed for unexpected illness or injury, so routine checkups, preventive care, and maintenance treatments are not covered.
To buy the Patriot America insurance, you will need the travel dates and passport details of the traveler.This will include the name of the traveler, the date of birth, the passport number and the travel dates.
You can buy Patriot America Plus insurance online easily through American Visitor Insurance. Just enter your travel details, compare plans, choose your coverage, and complete the purchase in minutes. You’ll get your ID card and policy documents instantly by email.
Yes, the Patriot America insurance can be bought after arrival in the United States. It must be bought within 30 days for travelers above 65 years. The Patriot America plus can be purchased by travelers below the age of 65 years up to 6 months after arriving in the US.
Patriot America Plus Insurance is available for US citizens residing outside USA and visiting USA for short term. Patriot America Plus insurance for US citizens require them to have resided outside US continuously for the past 6 months and must have a current health plan in force.
Does IMG Patriot America Plus insurance have a cancellation fee?
Yes. Patriot America Plus have $50 cancellation fee after the effective date.
Yes, IMG Patriot America Plus is one of the best travel insurance option for seniors visiting the USA, especially those under the age of 70. It offers comprehensive coverage for medical emergencies, including the acute onset of pre-existing conditions, which is important for older travelers. With flexible deductible and policy maximum options, Patriot America Plus is considered one of the best visitor insurance plans for seniors traveling to the USA.