Recently a patient of mine injured her ankle. It was a simple slip at home, but she sustained a fracture and dislocation of her ankle. My patient was an American and had health insurance. I operated on her ankle and fixed it with plates and screws, the patient did well and was discharged after 3 days. When the patient came to see me in the office she still had to pay the hospital $1000 in arrears. The insurance company was billed $48000 of which they paid $47000 and my patient was billed for the remainder.
FIND OUT HEALTHCARE COST IN USAThe previous example was for an American citizen with Insurance. Imagine what a huge bill you would get as a foreigner without insurance; remember that the person who sponsors you from the USA will be legally liable for this bill.
For most emergency procedures, I would imagine it could run into $100,000 easily, especially if it involves a stay in the ICU. Many of the visitors from India are elderly parents and relatives with pre-existing
It is extremely important for all of us to be aware and try to take some preventive insurance against these unfortunate accidents. If I were in charge of visas I would mandate travel insurance just like my state here mandates that I obtain malpractice insurance before I practice medicine so that the Visitor health insurance usa cost are covered by the travel insurance.
The most common ailments travelers may suffer from are Heart attack (MI), Stroke, Fractured limbs or Hip, and chest pain.
Here are some examples of healthcare insurance usa costs for procedures in the US. The cost of routine physician visit is very expensive in the US. The common ailments like Diabetes Mellitus with Hyperglycemia admitted to an emergency room would cost around $25,000.
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 in 2018.
There are visitor insurance plans from INF cover these pre-existing medical ailments. You can come prepared to a certain extent. Bring enough medications for your pre-existing diabetes and blood pressure, etc. Ex-A plavix pill costs $ 5 per pill here compared to Rs 40 in India. You can also pack a kit for coughs, cold, and headaches, and include basic antibiotics. However, if you have the misfortune of landing in an Emergency Room you best bet by far is to have adequate travel insurance. A rule of thumb is to buy the maximum coverage you can afford.
The U.S. government’s tariff measures aimed at increasing local manufacturing covers a wide range of imported goods including medical diagnostic equipment and pharmaceutical ingredients all of which are essential to the U.S. healthcare system. These additional costs might have a positive impact in the long run but will ripple through the health care supply chain and raise the healthcare costs in the short term.
Impact on cost of visitors insuranceThe US visitors health insurance costs are closely tied to the cost of US health care, which in turn is directly linked to the cost of :
Comprehensive visitor health insurance covering hospitalization, diagnostic testing, emergency care, and prescription drugs could be most affected. For example, a visitor hospitalized with a heart attack may require emergency surgery, advanced cardiac monitoring, and costly medications all of which could become more expensive under tariff-driven cost increases.
At American Visitor Insurance®, our priority is to help travelers access affordable, reliable protection even as external factors like tariffs and rising healthcare costs put pressure on premiums. We are actively working to protect our customers by:
American Visitor Insurance® remains committed to monitoring global trade policies and healthcare market conditions. Should travel health insurance change, we will ensure that all changes are communicated with full transparency so that our customers can make informed decisions.
A fixed benefit travel insurance plan is the cheap health insurance for visitors to USA plan, however this is because the fixed benefit travel insurance have a fixed limit of coverage for different medical benefits. Fixed benefit visitor insurance works well for small ailments but can be inadequate for more serious medical conditions involving hospitalisation.
Cheapest fixed benefit visitor insurance plans for the USA
The cheapest US travel insurance is Safe Travels Advantage. The other affordable travel insurance for the US are Venbrook Essential from Venbrook International and Visitors Care from IMG. These plans offer basic coverage at lower cost for visitors to USA.
VisitorSecure is an another affordable travel insurance plan designed for international travelers visiting the US. Offers up to $1,000,000 in emergency medical expenses, medical evacuation, and repatriation.
Age: 40 years | Plan: $25,000 | Deductible: $0
Age: 40 years | Plan: $25,000 | Deductible: $0
Comprehensive travel insurance provide full coverage for medical expenses up to the policy medical maximum limit. As opposed to fixed benefit visitor 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.
Best comprehensive visitor insurance plans for the USA
Some of the top recommended best comprehensive plans are Patriot America Plus by International Medical Group, Atlas America from WorldTrips, Safe Travels USA Comprehensive from Trawick International. These plans are well-suited for travelers to the U.S., offering robust medical coverage along with benefits for the acute onset of pre-existing conditions.
Age: 40 years | Plan: $50,000 | Deductible: $250
US Healthcare is extremely expensive, and even a simple doctor’s visit can become a financial burden unless insured properly. In 2025, the cost of travel health insurance for visitors to the US ranges between $19 to $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. Cheaper options are available for as little as $1 to $5 per day, however the coverage is also limited.
Why is travel insurance USA is so important? A simple doctor’s visit can cost anywhere between $250 to $350, while a heart attack can cost at least $25,000. A stay in the ICU after a stroke can cost upwards of $150,000. As routine echocardiogram can range from $1,500 to $4,000 while emergency treatments for conditions like diabetes can cost anywhere from $3,500 to $7,000. Treatment for kidney failure can result in bills of over $30,000.
Cheap visitor health insurance for visitors to USA starts at $19 per month for fixed benefit plans. Following is the cost of visitor insurance per month.
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 | $25 - $44 | $30 - $65 | $66 - $152 |
Safe Travels Elite | $25,000 - $175,000 | $0 | $25 - $71 | $36 - $110 | $105 - $150 |
Venbrook Essential | $25,000 - $150,000 | $0 | $25 - $74 | $36 - $105 | $66 - $142 |
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 |
The cost of comprehensive visitor insurance starts around $53 month, depending on the age of the traveler, coverage limits, deductible, and optional add-ons. Higher medical maximum plans including pre-existing condition benefits and lower deductibles are more expensive. On average, a good comprehensive health insurance plan costs between $58 to $108 per month for a 35 year old traveler.
Following are the cost of best health insurance for visitors to USA per month for a $250 deductible.
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 |
Venbrook Premier | $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 |
SafeVista Comprehensive | $100,000 - $1,000,000 | $76 - $97 | $158 - $225 | $320 |
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 |
For a 60-year-old traveler, the cost of USA visitor insurance for 6 months typically ranges around $122 to $1,050, based different coverage options, medical needs, and traveler’s budget on American Visitor Insurance.
The best 6 month USA travel insurance is the one which is affordable, reliable and allows the traveler stress free.
From ER visits to urgent care, stay covered for 6 months in the U.S starting from just $1.50/day!
The US immigration authorities do not insist on health insurance for visitors to the U.S. for issuing the US tourist visa. However given the high cost of US healthcare, it is very risky to travel to the US without the visitor medical insurance for USA visitors.
International tourists can compare the best travel insurance for visitors to the USA plans online and then buy health insurance for foreign visitors to get coverage as early as the following day.
The best visitor medical insurance USA will vary from visitor to visitor depending on their unique needs. There is no single visitors insurance for USA visitors which will work best for all US visitors.
While some visitors will look for the cheapest visitors insurance plan, others will look for the most comprehensive and best visitor insurance usa.The price will be higher if you need health insurance for visitors to usa with pre-existing conditions.
It is recommended to compare different travel Insurance for USA visitors plans based on price as well as benefits coverage options. Visitors should also read different visitor health insurance usa reviews before they buy the best visitor insurance USA.
The cost of US visitor visa health insurance depends mainly on the following factors; The age of the traveler, the duration of visitors insurance coverage, type of visitors insurance (fixed vs comprehensive coverage), any add on coverage requirements, or the need for health insurance for visitors to usa with pre-existing conditions.
The cost of visitors medical insurance in USA depends mainly on the following factors; The age of the visitor, the duration of travel insurance for USA visitors coverage, type of visitors insurance (fixed vs comprehensive coverage), any add on medical insurance in the USA requirements, or the need for health insurance for visitors to usa with pre-existing conditions.
There is no denying that travel medical insurance USA cost is unfortunately very expensive. The main reason for this is simply because the cost of healthcare in the USA is very expensive and the travel insurance USA costs are directly related to the healthcare costs.
One more factor for some of the health insurance USA cost to be very expensive is that there are specially designed travel insurance for USA plans available for older travelers, with higher medical coverage as well as some plans with coverage for pre-existing ailments.
There are many international travel health insurance plans for coverage both in the USA as well as around the world offered by US insurance providers. Given the several travel insurance international options, it can be confusing to find the best health insurance for international travel for your needs. What is very useful in making this decision is to Compare travel insurance USA of different companies.
The travel insurance comparison allows travelers compare prices as well as coverage benefits in an objective manner. The traveler can change relevant factors like the medical maximum coverage required, the international traveler insurance deductible, any international travel health insurance plans with coverage for pre-existing ailments, travel insurance international coverage for Covid19 ...
The global travel insurance comparison also allows travelers to buy the best travel insurance based on ones needs by completing an online application and paying using a credt card. One completing the purchase the travel insurance plan is emailed to the customer.
There are different factors for buying best health insurance for USA visitors. Visitors should compare fixed benefits and comprehensive visitor insurance plans. Foreign visitors to USA travel insurance customers should understand the concepts of deductibles and co-insurance and Pre-existing conditions travel health insurance. A prudent and well informed traveler will make the correct choice while buying tourist insurance in USA for his or her unique needs.
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.
A visitor health insurance USA cost covers:
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.
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 Travel USA Comprehensive, Atlas Travel and Liaison Travel Plus.
Hospitals and Urgent care – the Insured can produce their visitor medical insurance card at the urgent care in an event of falling sick or injured while in the US. If the insured requires medical assistance then he can visit a hospital where cashless medical services can be availed.
Prescriptions – The insured can buy prescribed medicines for a medical ailment that occurs during travel and file a claim for reimbursement along with the proof of the receipt.
Travelers to the US or anywhere outside their home country should have adequate visitor insurance coverage for a safe journey.
Planning to travel overseas needs detailed and well balanced planning of the trip. It is very important for travelers to buy travel health insurance while travelling away from their home country. A travel insurance cover will provide protection towards all sudden accidents and illness. While traveling to the US, international travelers should include a visitors insurance cover for a safe and stress free travel.
The domestic health insurance of the home country invariably provides little or no coverage in a new country. A visitors medical insurance plan will protect the insured from huge medical bills in case of hospitalization in a foreign country. An insured traveler can get cashless medical facilities up to the insured amount within the US.
Complete the travel insurance quote request form by providing details of the traveller and insurance requirements.
Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.
Purchase the plan that fits your needs and budget best by using a credit card and completing the online application.
Review the travel insurance documents received by email closely for coverage details and relevant contact numbers
The travel health insurance plans which cover pre-existing conditions have clear definitions of what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions, and if it provides full coverage for pre-existing conditions the coverage limit within the policy for pre-existing conditions. Any travel health insurance coverage for pre-existing conditions will depend on all these.
Unfortunately, this simple question has a fairly complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance that can cover pre-existing conditions and even plans that are travel medical only without cancellation often are more generous in their coverage of pre-existing conditions. These plans may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.
Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition.
Compare and buy best pre-existing plans
The best US visitors insurance with pre-existing conditions coverage is listed here :
Travel insurance for USA resources
Choose international travel insurance resources for travel outside your home country.
Types of travel insurance online
Different US travel insurance options, fixed benefits vs comprehensive coverage.
Types of USA travel insurance online
Understanding different types of visitor medical insurance options for the United States.
Travel insurance Claims Procedure
Travel insurance online claims process for getting medical care in a hospital.
You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, Travelex, INF insurance, HTH Worldwide and Venbrook International.