American visitors insurance, Visitor visa health insurance USA

Compare and buy US travel insurance, Tourist visa health insurance USA

Age & Citizenship
Start date
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What does visitor travel insurance cover?

medical expensesHealth care expenses
Covers hospital expenses for sickness or accidents.
doctor visitDoctor visit
Insures Doctor visits for sudden injury or sickness.
pharmacy drugsPharmacy drugs
Doctor prescribed eligible pharmacy drugs expenses.
pre-ex conditionPre-existing conditions
Some plans insure acute onset of pre-existing conditions.
medical evacuation Medical evacuation
Medical evacuation expenses to nearest facility included.
repatriation of remains Repat of remains
Repatriation of remains to home country included.

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Visitors visa medical insurance types, Types of USA visitor insurance

peoples visitor insurance USA

Traveling to the US is an exciting experience for all international travelers; however one should be aware of the very high cost of US healthcare and is important to buy visitor visa medical insurance. Unexpected events can happen anytime and being forced to visit and US hospital is no fun and high medical bills can cause significant financial trouble.

The best US travel insurance can prevent this situation. Travelers can compare US visitor insurance quotes and benefits of reputed US insurance providers using our comparison tool and make an informed choice that best suits their travel needs and budget. There are different factors for buying visitor medical insurance. International travelers should review the difference between fixed and comprehensive visitor insurance.

They should also be aware of Visitors insurance coverage for Pre-existing conditions. An aware traveler can make an informed decision among the several visitors visa health insurance options offered by different insurers.

US travel insurance

Resourceful travel insurance information for new customers

Find the best travel insurance

Find out the best insurance for your budget and needs
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How does travel insurance work?

Claims process for expenses due to injury or sickness
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How to buy travel insurance?

Step by step guide to buying the best travel insurance online
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Travel insurance glossary

Commonly used international travel insurance terms
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Travel insurance for specific groups

Tourists, Cruises, Students, J1 visa, OPT status, Immigrants...
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Compare travel insurance plans

Compare the best travel insurance plan for your needs
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Health insurance for foreigners in USA, Tourist visa insurance USA - FAQ's

Is visitors travel insurance a good idea? Is medical insurance required for US tourist visa?

Visitor medical insurance is not just a good idea, but a necessity! Health Care is very expensive in countries like the US, where not having travel health insurance for USA can be catastrophic. Having Visitors Insurance for USA visitors can be a huge relief which comes in handy during any major unexpected sickness or injury while in a foreign country. International travelers are urged to buy visitor insurance USA to have a safe sojourn outside their home country.

Can a tourist get health insurance in USA? Can foreigners buy insurance in USA?

Yes, international tourists can and should buy visitors health insurance in USA. Given the high cost of US healthcare, it is very risky to travel to the US without the best visitors insurance for usa for visitors. International tourists can compare different visitor insurance plans online and then buy travel insurance for USA Visitors to get coverage as early as the following day.

How much does US visitor insurance cost? How much does US visitor visa health insurance cost?

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.

Which is the best visitor insurance in USA? Which is the best health insurance for visitors to USA?

The best visitor insurance in USA will vary from visitor to visitor depending on their unique needs. There is no single visitors medical insurance which will work best for all visitors to the US. While some visitors will look for the cheapest visitors insurance plan, others will look for the most comprehensive visitors insurance coverage.

The price will be higher if you need health insurance for visitors to usa with pre-existing conditions. It is recommended to compare different visitor insurance plans based on price as well as the different benefits coverage options. Visitors should also read different visitors insurance reviews before they buy visitor insurance USA.

Can I get Covid19 travel insurance coverage inclusive for all sub-variants?

Yes, if a traveler has purchased travel insurance with Covid-19 cover then this includes the Omicron, Delta and all other Covid sub-variants. It typically covers coronavirus illness as any other illness under the medical benefits of the travel insurance cover regardless of the variant.

I have a Covid-19 travel insurance. Am I covered for quarantine?

There are several travel insurance plans that offer coverage for Covid-19 quarantine related expenses, however the insured traveler need to add the quarantine benefit while purchasing the policy. Travelers can call the insurance providers for more details.

Am I covered for Covid19 in my US travel insurance plan?

If the existing travel insurance has Covid-19 coverage included, then this includes the Omicron, Delta and its sub-variants. The coverage is irrespective of the variant and the insured traveler can get the covid-19 benefits when required according to the coverage benefit.

Can I still get travel insurance for the USA?

Yes, travelers can buy travel insurance if the traveler has already started a trip. However travelers should keep in mind that the cover is provided for any illness or injury that occurs after the inception of the policy.

Is travel insurance worth getting?

Yes, all international travelers should consider buying travel insurance cover for safe and protected travel. Travelling long hours in a new country increases the risk for unforeseen medical and travel emergencies .During such times a travel insurance cover will provide coverage and save the insured from a huge financial loss.

What are the benefits of travel insurance?

Travel insurance is important while travelling overseas for business or for pleasure. Unforeseen incidents and mishaps can occur hence it’s important to be prepared . By purchasing travel medical insurance, you’ll be covered against emergency evacuation and medical expenses, and trip insurance will cover trip interruptions or cancellation, loss of passports or wallet, misplaced luggage. Travelers can also include Cancel for any reason cover that offers maximum coverage.

Which visitor insurance is best?

Best health insurance travel to USA - Comprehensive plans
International Medical Group (IMG) Patriot America Plus is a popular plan among Indians visiting USA. It is a comprehensive plan that offers exhaustive coverage up to plan maximum of $1,000,000.

Key highlights:

  • Patriot America Plus Covid insurance covers coronavirus illness.
  • It offers best coverage for acute onset of pre-existing conditions up to chosen maximum limit (aged up to 70 years).
  • AM best rating of “A” (excellent)
  • Coinsurance 100% within the provider network.
  • Renewable up to 2 years.
WorldTrips Insurance offers Atlas America insurance plan for visitors to USA. It has excellent provider network of doctors and hospitals. It is one of the visitors insurance plans offering coverage of $2,000,000 plan maximum for emergency sickness or injury.

Key highlights:

  • Atlas America travel insurance for Covid19
  • AM best rating of “A++” (superior)
  • Coinsurance 100% within the provider network .
  • Renewable up to 364 days.
Global Underwriters Diplomat America visitor insurance offers comprehensive maximum coverage up to $1million for unexpected injury or sickness.

Key highlights:

  • Diplomat America Covid insurance covers coronavirus sickness
  • AM best rating of “A” (excellent)
  • Plan life up to 365 days.
Trawick International Safe travels USA comprehensive Visitor Insurance offers coverage for accidental injury and sickness medical up to plan maximum while in USA. It also covers emergency medical evacuation, repatriation and security evacuation benefits. It is available for parents up to 89 years.

Key highlights:

  • Safe travel USA Comprehensive Covid insurance covers coronavirus sickness.
  • Covers acute onset of pre-existing conditions up to policy maximum.
  • Maximum coverage up to $1 million.
  • Coinsurance 100% within the provider network.
  • Renewable up to 2 years.
  • AM Best Rating: “A+”.security evacuation benefits.
  • It offers coverage for travelers up to 89 years.
INF Elite US visitors insurance offers full coverage for pre-existing conditions for parents. Very popular visitor insurance with pre-existing conditions coverage.It includes coverage for doctor appointments, blood tests and lab, specialist care, urgent care visits and hospital stays are covered for pre existing conditions.

Key highlights:

  • INF Elite Plan Covid19 insurance covers coronavirus long as the visitor does not have covid sickness, before purchasing the plan.
  • Treats Coronavirus/covid19 as a new sickness & covered by the plan
  • Best comprehensive plan that covers all pre-existing conditions up to 99 years.
  • Elite Plan medical insurance provides coverage for dental, loss of checked luggage, medical emergencies and accidents incurred while traveling.
  • AM best rating of “A++”
  • Renewable up to 364 days
Seven Corners Travel Medical Plus US visitor insurance offers medical maximum coverage up to $5 million for emergency illness or sickness.

Key highlights:

  • Travel Medical Plus Covid insurance covers coronavirus sickness
  • Covers expenses for treatment of acute onset of pre-existing conditions (up to 75 years)
  • AM best rating of “A++” (excellent)
  • Renew online up to 364 days.
Best visitor visa health insurance USA - Fixed benefit plans
International Medical Group Visitors Care Insurance offers fixed benefits insurance coverage for visitors to USA. An optional pre-existing conditions rider offers coverage for Stroke or Myocardial Infarction (heart attack) for travelers of any age. This is plan is quite cheaper and covers minor expenses. It has policy maximum up to $100,000 for treatment of injuries or sickness.

Key highlights:

  • Optional pre-existing conditions rider.
  • AM best rating of “A” (excellent).
  • Plan can be renewed up to 2 year.
Seven Corners Inbound USA is an affordable visitor insurance for USA which has specificied limits for different covered medical expenses. It is ideal for small expenses or ailments but not enough if the coverage if major.It offers plan maximum up to $150,000 for sickness/injuries for travelers less than 70 years and up to $100,000 maximum coverage for older travelers.

Key highlights:

  • Offers coverage for acute onset of pre-existing conditions up to 79 years.
  • AM best rating of “A” (excellent)
  • Renewable up to 364 days
WorldTrips Visitor Secure Insurance is an affordable travel insurance for visitors to USA. It offers specific benefit limits for different covered medical expenses. It has no coinsurance. Popularly known for its good provider network, visitors can visit any doctor or hospital. It has policy maximum up to $130,000 .

Key highlights:

  • It offers coverage for acute onset of pre-existing conditions up to 70 years.
  • AM Best Rating: A++ (Superior).
  • Plan can be renewed up to 364 days.
INF Premier Insurance is a best fixed benefit visitor insurance that covers all pre-existing conditions ailments for travelers up to 99 years. INF Premier is available for Non-US Citizens & US Citizen Expatriates visiting the United States. INF Premier offers coverage for less than 90 days.

Key highlights:

  • Covers all pre-existing conditions, this means doctors, appointments, blood tests & labs, specialist care, urgent care visits, & hospital stays are all covered for pre-existing conditions.
  • AM best rating of “A++”
  • Renewable up to 364 days
Trawick International Safe travels Visitors to USA offers affordable and fixed benefit accident and sickness visitors insurance. It offers plan maximum up to $175,000.

Key highlights:

  • Covers acute onset of pre-existing conditions up to 89 years.
  • AM best rating of “A (excellent)”
  • Renewable up to 2 years.

What are the different types of visa insurance?


B1 visa insurance

USA B1 visa health Insurance, B1 visa travel insurance for USA.
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B2 visa insurance

B2 visa health insurance for tourists, B2 visa tourist insurance for USA.
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F2 visa insurance

F2 visa medical insurance for F1 visa dependents.F2 visa health insurance.
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F1 visa insurance

F1 visa student health insurance, international student insurance in USA.
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J1 visa insurance

J1 visa insurance for exchange scholars, J1 visa medical insurance.
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Green card insurance

Health insurance for green card holders, Green card health insurance.
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K1 visa insurance

Fiancée health insurance, K1 visa health insurance for fiancé on K1 visa.
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H1B visa insurance

H1B visa health insurance, health insurance H1B visa holders.
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US Immigrant green card

Travel health insurance USA

Travel insurance for tourists in USA, tourist insurance USA
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What are the different types of covid insurance?

Covid travel medical insurance for US citizens
Covid19 Travel medical insurance for US citizens. Know more »
Travel insurance during covid for tourists to USA
Travel insurance coronavirus for visiting USA. Know more »
Covid19 travel insurance for travel outside USA
Travel insurance covid for travel outside USA. Know more »
Covid19 insurance for international students in the USA
Best student travel insurance that covers covid. Know more »
Cruises covid quarantine travel insurance
Covid travel quarantine insurance for cruises. Know more »
Covid19 Europe Schengen Visa Insurance
Europe Schengen Visa travel insurance covid19. Know more »
Covid19 Quarantine Trip Insurance
Covid trip delay & accommodation coverage. Know more »
trip cancel
Covid19 Trip cancellation insurance
Trip medical insurance with covid19 coverage. Know more »
US Immigrant green card
Covid19 US Green card insurance
US immigrant /Green Card Covid insurance. Know more »

Can a fiancee get health insurance in USA?

Yes. Fiancee visa holders can buy travel health insurance in the US. We recommend the travel insurance for K visa holders be purchased from the day they leave their home country until they return, however, most companies allow you to purchase it even after the traveler has already started their journey.

How does US health insurance for K visa work?

K1 visa medical insurance is for unexpected medical expenses while on your trip. Many travel insurance for K visa plans also cover baggage loss/ delay, trip delays, and have other benefits to help travelers with unexpected problems (loss of documents, etc). Since they are meant to be used in an emergency, you can use any doctor/hospital. In a non-emergency situation, you should consult your documentation and try to stay in-network (if applicable) while in the US since this will likely help defray your out-of-pocket cost.

What is K visa Insurance USA?

Fiancee insurance USA is travel insurance that can be purchased for travel in the US and for travel outside one’s home country. K visa Insurance provides coverage for unexpected health care expenses due to accident or sickness while traveling. Travelers can compare and buy the best US travel insurance plans at American Visitor Insurance.

How much is Fiancee insurance in USA?

The cost of the travel insurance for US K visa holders is based on the age of the insured, the maximum of the policy, the deductible on the policy, and the number of days of the trip. With visitor insurance, you can choose a fixed or a comprehensive plan. A fixed or limited benefit plan is generally much cheaper than a comprehensive plan because the plan has limits on what it pays out for each medical expense. The comprehensive plan is more expensive because it offers more complete coverage of medical expenses to the medical maximum.

What happens if a Fiancee gets sick in USA?

Fiancees can use Urgent Care clinics, make appointments at a doctor's office or go the the hospital, if needed. However, they will have to pay out-of-pocket for any and all medical care they receive. This is why we recommend getting a travel or US K visa health insurance plan for the duration of their stay.

Can a visitor get health insurance in USA?

Yes, visitors to the USA can get short term temporary travel insurance coverage while they are in the country. Visitors to USA can compare the best visitors insurance for USA on American Visitor Insurance based on cost and coverage details to find the best US visitor insurance to suit their budget and needs.

What is the best travel insurance to have?

The best travel insurance to have depends on individual needs and circumstances. However, some factors to consider when choosing a travel insurance policy for travel to the USA include:

  • Maximum medical coverage: Look for visitors insurance that provides adequate medical coverage, including emergency medical care, hospitalization, and medical evacuation, as healthcare costs in the USA can be very high.
  • Pre-Existing Medical Conditions coverage: Few plans offer visitors insurance for pre-existing medical conditions, with some offering coverage only for acute onset of pre-existing conditions, while others offering limited visitors insurance coverage for pre-existing ailments. Please review the policy documents and ensure that you are familiar with the coverage limitations for pre-existing conditions.
  • Trip Cancellation and Interruption: Look for a policy that provides coverage for trip cancellation or interruption due to unexpected events, such as illness, injury, or natural disasters.
  • Baggage and Personal Belongings: Look for a policy that provides coverage for lost, stolen, or damaged baggage and personal belongings.

Is visitors travel insurance a good idea?

Visitors insurance is not just a good idea, but a necessity! US Health Care is very expensive and not having travel insurance for USA can be financially catastrophic. Having Visitors Insurance for USA can be a huge relief which comes in handy during any major unexpected travel related sickness or any accident related medical treatment. International travelers are urged to buy USA visitor insurance to have a safe sojourn outside their home country.

Is medical insurance required for US tourist visa?

There is no specific medical insurance requirement for US tourist visas as of now, however given the exorbitant cost of US healthcare, it is strongly recommended that all visitors to the US have adequate visitors medical insurance coverage. Some US states like Hawaii are mandating some travel insurance for inbound visitors. US consulates in certain countries are also insisting that US visa applicants have proof of visitors medical insurance coverage during their stay in the US.

While it may not be a requirement for obtaining the US tourist visa, having visitors medical insurance is highly recommended for anyone traveling to the US as it provides protection and financial support in the event of an unexpected illness or injury.

What happens if a tourist of US visitor goes to the hospital in the US?

  • If a tourist goes to a hospital in the United States, they will receive medical care regardless of their insurance status or ability to pay initially. However, they will receive the bill for the medical expenses later and the cost of medical treatment in the US is very expensive. It is hence important for visitors to have proper visitors insurance coverage to help pay for medical expenses.
  • If the visitor has insurance, they should provide their insurance information to the hospital. The hospital will then bill the insurance company for the cost of the medical treatment. The visitor may still be responsible for paying deductibles, co-payments, or any other out-of-pocket expenses, depending on the tourist insurance plan.
  • If the visitor does not have insurance, they will be responsible for paying the full cost of the medical treatment out of pocket. The hospital may require payment upfront or provide a payment plan to help the visitor pay the bill over time.
  • It's important for visitors to understand the potential costs of medical treatment in the US and to have adequate insurance coverage to protect themselves from financial hardship in case of an unexpected illness or injury.

Visitors Insurance coverage for US healthcare costs

Are you or any of your family members planning on visiting the US? Then it’s very important to include best travel insurance. While US hospitals offer world class healthcare facilities to its visitors, unfortunately it is very expensive and even the smallest medical assistance can incur a huge bill. In case the traveller falls ill or is injured while in the US, it will work out very expensive to get an emergency medical treatment given the high cost of US health care. Depending on the severity of injury the emergency care may cost anywhere from $150 to $1,000,000. The ambulance service costs itself can be as high as $25,000 and critical care at $1,000,000. In case the illness or injury needs a long stay in a hospital with a long recovery time then the stay can result in very huge financial loss.

The US health care requirement is very different from Canada or the UK where it is largely subsidizes by the government, in the US, healthcare is not paid for by the government in any way and health insurance is considered a necessity given the US healthcare system and costs. Understanding the US health insurance system and the parlance of health insurance can help travelers navigate the decision making of travel insurance better.

This information can guide international travelers in better understanding US travel insurance requirements and the financial support it offers.

Common US Healthcare Terms of travel insurance

Deductible is the amount that insured travelers need to pay for coverage before the travel insurance actually starts to pay for the healthcare services along with the co-pay or coinsurance. Travelers will need to pay the medical fees up to the amount of deductible and along with coinsurance and co-pay.

For example if the deductible amount is $1,500 then travelers need to pay up to $1,500, it is only after this amount is paid that the insurance plan stays paying. The Deductible is introduced to prevent frivolous claims.

Coinsurance is similar to co-pay in domestic US health insurance. Here the insured needs to pay a percentage of the total cost of the medical fee instead of paying a fixed amount. If you have 10% of coinsurance that the insured will have to pay 10% of the total cost of the bill .Co-insurance is paid on top of the Deductible. Typical Co-insurance ranges from 10% to 20%. The higher the co-insurance, the lower will be the cost of travel insurance.

Travelers can review the insurance glossary for travel to the USA to understand other terms and also check our travel insurance guide for easy understanding.

Riders – Riders are additional benefits that a traveler can purchase within the insurance policy. These are benefits that are usually not covered under the standard insurance policy. Depending on the need of the traveler, customers can add rider benefits at additional cost while buying the policy.

Copay or copayment is the fixed amount that the insured will have to pay for the medical service availed. The amounts would usually differ depending on the service availed.

Network and Out of Network - In US most hospitals have PPO networks .In the PPO network there are selected doctors and hospitals that have a working agreement with the insurance providers who charge the insurance provider directly and work out cheaper for the travelers. If the insurance provider is in the network they will provide a list of in network facilities so that the insured finds it easy to use the provider who can offer services.

Out of network insurance is literally when the customer goes to a healthcare facility outside of the covered network provider. In this situation, the insured will have to pay for the treatment themselves and then file a claim, this process might be confusing and sometimes out of network doctors and hospitals are more expensive and may even not be covered.

Pre-existing Conditions Coverage

Pre-existing condition is a medical ailment that existed before the start of the travel insurance cover. Acute onset of a pre-existing condition is a sudden relapse of the pre-existing condition without advance warning which requires medical attention within 24 hours.

Travelers with pre-existing conditions always find it hard to buy travel health insurance. There are various conditions that are considered as pre- existing diseases but some of common ailments in this category are Asthma, heart related issues, high blood pressure, kidney disease, cancer, diabetes etc. Typically all insurance providers have their terms and conditions for the pre-existing condition coverage provided. Travelers can buy a travel insurance policy without a medical check, however most insurance providers only provide coverage for acute onset of pre-existing conditions. With the pre-existing condition there is a "look back" period of 60-180 days to determine the claim. Most insurance providers offer health insurance coverage for acute onset of pre-existing conditions with fixed or limited coverage

If any of the travelers has one of these conditions it’s very important for them to buy a policy that includes the illnesses in the coverage and to be aware of the terms of pre-existing condition coverage.

INF is one of the few companies which offers USA travel insurance plans for visitors to the US with full coverage for pre-existing ailments. INF offers best travel insurance for pre existing medical conditions with full Pre-Existing conditions coverage. This means INF visitors insurance with pre-existing conditions coverage insures any in-patient, out-patient, urgent care, specialist, doctor visits, anything related to pre-existing conditions. INF insurance will cover any pre-existing conditions ranging from blood pressure, diabetes, to kidney complications and arthritis. All of these issues are covered by the INF Premier insurance and INF Elite Plan. Compare the best travel insurance for pre existing conditions.

Affordable insurance for visitors above 70 years of age

Senior Citizens who are 70 years of age are vulnerable to illness and are at high risk for travel sickness and injuries. While most insurance providers refuse or severely reduce coverage for travelers who are 70 years, there are a US insurance providers who insure older traveler’s . IMG in their Patriot America Plus Insurance offers coverage for up to $50,000 - $1000, 000 and World Trips in their Atlas America Insurance offers $50,000 - $2,000,000 coverage.

State Limitations on Travel Insurance

The US there are no federal policies that set the rules for the whole country, however different state have specific rules regarding travel insurance. There are few states with restricted rules like in Colorado Maryland, New York, South Dakota and Washington. These states prevent its residents and individuals with mailing address in these states from buying insurance plans from some companies. Travelers can check insurance restrictions of their insurance providers while buying the insurance.

Pre-approvals for medical treatment and Hospital Visits

Pre-approval commonly known as pre-authorization is a sanction provided by the insurance provider to obtain the medical treatment and hospital visits. The healthcare service workers like network providers, hospitals or doctor’s offices often choose to inform the insurance provider and get a pre-approval. In a case where the insured is using an out-network provider the insured will need to notify the insurance provider to get pre approval or pay and then apply for a reimbursement.

In situations like an admission at the hospital for overnight stay, Major Surgery, Prescription of expensive drugs, Medical appointment to a behavioural, physical, speech or occupational therapist for treatment all of this would typically require pre-approvals from the insurance provider.

Resourceful insurance for travellers benefits information to look out for while buying travel Insurance

Travelers can check if it’s covered while buying the insurance

  • Acute onset of Pre-existing conditions, look back period
  • Dental care for dental emergencies
  • Skin care and dermatological problems
  • Vision care except for treating eye injuries
  • Preventative or routine health care coverage
  • Injuries and illness due to terrorism or war
  • Childbirth, pregnancy, and maternity
  • Injury from high-risk sports
  • Mental health care
  • Injuries related to drugs and alcohol

Renewability and Deductible in an extended /renewed Travel insurance

Not all plans are renewable, so check on the renewability of the travel insurance plan. Most travel insurance plans can be extended based on the traveler’s requirement. When the policy is extended, the deductible is usually reset.

Multi-trip travel insurance

Regular or frequent travelers visiting the US can buy the annual multi-trip travel insurance plan. Here the traveler is insured for a whole year from the start of the plan, but each trip is limited to a certain length of stay outside the home country and are required to have a domestic health insurance.

Different types of US Visitors travel insurance

Fixed Benefit travel insurance

A fixed benefit or scheduled benefits travel insurance plan is the cheapest US travel insurance 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.

Comprehensive travel insurance

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.

clouds flight wing insurance

Steps to buy US travel insurance online

Step 1: Finding all available US travel insurance plans
Complete the travel insurance quote request form by providing details of the traveler & insurance requirements.
Step 2: Compare different travel health insurance options
Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.
Step 3: Buy the travel insurance you like best and review documents
Buy the plan that fits your requirements and budget best by using a credit card and completing the online application.
Step 4: Review the visitors insurance documents & download visa letter is required
Review the visitors insurance documents & download visa letter is required.

USA travel insurance coverage highlights

What does Travel Medical Insurance cover? What is travel Insurance USA?

Some of the other important travel health insurance for USA benefits are listed below. Travelers can compare visitor travel insurance to review specific coverage details offered by the different companies and insurance plans.

Medical coverage for accidents and emergency medical ailments:
The high cost of healthcare in the US makes it imperative for travelers to have good travel health insurance while traveling outside ones home country. The best travel insurance medical maximum coverage varies based on the travel insurance plan chosen, however travelers have the option of getting coverage up to $1,000,000. The available medical maximum coverage however decreases for travelers over 70 years.

Doctors visit:
This allows travelers to visit Doctors for sudden unanticipated medical ailments (continuing treatment for pre-existing ailments and preventive care are not covered). The Co-pay and deductible will vary depending on the travel insurance plan chosen, travelers do have the option of No Co-pay and $0 deductible.

Pharmacy drugs:
Doctor prescribed eligible pharmacy drugs are covered up to $50,000, but this varies from plan to plan.

Emergency surgery treatment will be covered. The maximum available amount for surgery is typically $50,000, but this varies from plan to plan.

Medical evacuation:
The best travel insurance 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.

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 for any reason. While this depends on the travel insurance plan chosen, one can get repatriation coverage up to $50,000.

Emergency dental coverage:
Emergency dental coverage up to $300 is available for acute onset of pain to natural teeth.

Given all these benefits, it is important that international travelers buy the best travel insurance given the relative low cost of travel insurance when compared to the cost of healthcare. This is particularly important for Seniors citizens, as older travelers are most vulnerable and likely to need the benefits offered by the best USA travel insurance plans.

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Factors that determine the cost of US travel insurance plans


Traveler’s age

The cost of travel insurance is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.

world travel

Length of travel insurance coverage

The longer the period of visitors insurance required, the greater will be the cost of travel insurance.

world travel

Medical maximum limit, co-insurance and deductible options

The travel insurance cost is directly dependant on maximum medical coverage and inversely proportional to the deductible and co-insurance of the plan chosen.

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Fixed benefit of Comprehensive travel insurance

Fixed benefits visitor insurance are cheaper while comprehensive US travel insurance with exhaustive coverage are more expensive.

Globe travel insurance

Coverage region

The cost of travel insurance depends on the coverage region with the price for visitor health insurance for the US being most expensive.


Any add on benefits or special coverage

Any add-on benefits or special coverage like adventure sports or acute onset of pre-ex conditions coverage … will increase the cost of travel insurance.

Travel Insurance tips for travelers with Pre-Existing Conditions

Here are some travel insurance tips for travelers with pre-existing conditions:

  1. Choose a travel health insurance plan that covers pre-existing conditions.
  2. Read the policy carefully to understand what is covered and what is not.
  3. Be aware of any waiting periods for coverage of pre-existing conditions.
  4. Consider buying a visitors insurance policy with higher coverage limits.
  5. Carry a copy of your medical records and list of medications with you when traveling.
  6. Ensure that you carry your medical prescription and medicines during your trip.
  7. Know how to access medical care in your destination.
  8. Contact your visitors insurance provider immediately in case of any medical emergency.
  9. Disclose all pre-existing conditions when buying visitors health insurance.
  10. Follow all necessary procedures to file a claim for reimbursement of medical expenses.

What are the INF travel insurance for pre-existing conditions options?

There are several US travel insurance plans available for international travel, however most of these travel insurance plans exclude pre-existing conditions. This means that a travel insurance plan will not cover the costs of treating a pre-existing medical condition. The insurance company can therefore deny a claim if the ailment was pre-existing when the travel insurance was purchased.

INF is the only US insurance provider who is offering visitors travel insurance coverage for pre-existing conditions without limiting it to acute onset of a pre-existing condition. The INF Elite insurance plans cover pre-existing conditions up to a clearly defined pre-existing conditions limit which is different from the policy maximum. It is very important to compare the different travel insurance for pre-existing conditions coverage for the price and coverage details before buying the US travel insurance.

Why is travel health insurance for pre-existing conditions coverage important?

There are many international travelers who have medical ailments and it is important for them to be well informed about visitors insurance for pre-existing conditions. Many of the regular travel insurance plans exclude any coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing. At American Visitor Insurance, we offer plans which do offer coverage for acute onset of a pre-existing condition, as well as full coverage for pre-existing conditions up to a clearly defined limit in the policy document. All of these details can be better understood by using our facility for comparing visitors insurance for pre-existing conditions.

How does travel insurance for pre-existing conditions work?

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 conditons. Any travel health insurance coverage for pre-existing conditions will depend on all these factors.

What are the factors to consider while purchasing visitors health insurance for pre existing conditions?

The following are the important factors to consider while purchasing travel insurance for pre-existing conditions

  1. The definition of pre-existing conditions and the look back period under the policy.
  2. The eligibility age limit for pre-existing conditions coverage.
  3. Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
  4. The coverage limit for pre-existing conditions which is different from the policy medical maximum.
  5. The deductible and out of pocket expenses for pre-existing conditions coverage.

Pre-existing conditions coverage - FAQ's

01. How do I know if my pre-existing condition is covered by travel insurance?

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. There are only two policies we know of that offer coverage for pre-existing medical conditions. They are INF Premier and INF Elite plans.

Firstly, they define pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.

INF Elite (also INF Elite 90) are comprehensive plans offering fairly complete coverage. INF Premier is a fixed plan. Find details on these plans here.

The above plans must be purchased for at least 90 days and can be quite pricey for seniors, but they offer the only real coverage for chronic conditions.

The other option, of course, is to take a plans with little ($1000) or no coverage for pre-existing conditions and take a risk that that condition will not flare up during the trip.

02. What does full coverage for Pre-Existing Conditions mean?

INF plans boast they offer "full" coverage for pre-existing conditions. This can be a little misleading. Firstly, any regular treatment or medication that is required by the condition is never covered. The main advantage to the INF Elite and INF Premier is that they cover sudden illness/injury regardless of whether it is pre-existing or not. The only difference is that a pre-existing condition will be covered with a higher deductible at at a lower maximum than any other "new" illness or injury. However, coverage is not limited to an emergency or life-threatening situation.

03. What does "acute onset of pre-existing conditions" mean?

The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms). A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset.

The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.

04. What is the difference between Full Pre-Existing & Acute Onset Insurance?

Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.

05. What are the limits of Full Pre-Existing plans under INF travel insurance?

Full Pre-existing means we will cover any issue regarding a pre-existing condition, however, if one is traveling to the United States solely for medical treatment, that will not be covered. INF plans do not cover any medical tourism related claims. Pre-existing conditions under the INF plans are covered with a higher deductible and a lower maximum than other illnesses or injuries. These are chosen or specified when you purchase you plan.

06. Do INF travel insurance plans really cover all pre-existing conditions?

Yes, the INF policies will cover any pre-existing issue that the traveler may have during their stay in the United States. This includes blood pressure, diabetes, kidney related issues and arthritis, all of which are covered by the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper, Hop Trip Assist Plus Plans.

07. Why are Full Pre-Existing plans more expensive than other visitors insurance plans?

The insurance company takes on an enormous risk by insuring individuals and including coverage for pre-existing conditions without any prior medical examination. Under the INF plans, you are paying more, but you are getting the full value for the money you pay given the very high cost of US healthcare. With the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper, Hop Trip Assist Plus Plans, even though it is expensive, you can have the comfort of knowing that you are covered for any emergency or contingency. This peace of mind given the expensive US healthcare expense is what makes INF plans worth it despite being expensive.

08. What services are covered under visitors insurance full pre-existing coverage?

The list of covered services under Visitors insurance full pre-existing conditions coverage can be found on the American Visitor Insurance website of the INF Premier, INF Premier Plus, INF Elite, INF Elite Plus and INF Elite 90, Hop Travel Assist, Hop Mindoro Assist, Hop WorldHopper, Hop Trip Assist Plus Plan pages. INF plans are open to green card holders

American Visitors insurance for foreigners - Some highlights

US High health care costs in US could be burdensome to a short term visitor. Know more »
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Not sure which plan to buy? Find out which offers the best coverage for you! Know more »
Find plans providing comprehensive coverage for pre-existing conditions. Know more »
Quarantine travel insurance coverage
A fall/illness could become more serious for the older traveler. Know more »

Obamacare for visitors to the US

Are visitors to US eligible for Obama Care? No. The Affordable Care Act (ACA) insurance plans are not available for visitors to the US even if their immediate family members or parents are US citizens. It is therefore very important for visitors to the US to buy visitors medical insurance which will help them handle the very high healthcare cost while in the United States.
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  • Policy Maximum#1
  • Deductible#2
  • Travel Medical Plus covers COVID19
  • Key Features:  Acute onset of pre-existing conditions coverage of $10,000 for visitors up to 64 years and $5,000 for 65 to 74 years in USA.
  • Policy Maximum#1
  • Deductible#2
  • COVID19/Pre-existing Coverage
  • Key Features: Great coverage for a great price.
  • Policy Maximum#1
  • Deductible#2
  • Covers eligible costs related to COVID19 illness.
  • Key Features Coverage for sudden or unexpected recurrence of pre-existing conditions up to $2,500. Plan life - 5 days up to 12 months
  • Policy Maximum#1
  • Deductible#2
  • Covers eligible costs related to COVID19 illness.
  • Key Features: This plan is always eligible for purchase no matter what age and how long a person has been in the US

INF Standard


by INF inf
  • Policy Maximum#1
  • Deductible#2
  • Plan covers COVID -19
  • Key Features: This plan has a minimum purchase requirement of 30 days. Fixed benefit plan that treats Coronavirus as a new sickness
  • Policy Maximum#1
  • Deductible#2
  • Plan covers COVID -19
  • Key Features: Visitor Secure insurance as an affordable scheduled benefit plan for visitors to USA. High maximum available.
  • Policy Maximum#1
  • Deductible#2
  • Plan covers COVID -19
  • Key Features: Safe Travels Elite is a fixed benefit plan that covers COVID19 expenses and treated as any other sickness

#1 Maximum Coverage is the maximum eligible medical expenses that the plan will cover.

#2 Deductible is the amount of expenses that must be paid out of pocket before an insurer will pay any expenses.

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Compare US Visitor visa insurance quotes

  • The visitors insurance compare tool is intuitive and easy to use.
  • The US visitor insurance plans are specially designed for international travelers based on their unique needs.
  • There are plans that cover Covid19 as well as health insurance for visitors with pre-existing conditions.
  • Several travel insurance options by different providers can be reviewed at one time.
  • Along with the quotes, key coverage details, exclusions, PPO network details, renewal details are displayed
  • The compare tool highlights benefits and exclusions to help travelers make an informed choice quickly.
visitors insurance

Green card holders who are in the US but also have a residence outside the United States can buy the following Covid19 health insurance plans. These are the top health insurance companies offering Covid-19 coverage for green card holders.

IMG green card health Insurance for Coronavirus

The Patriot America Plus and Patriot Platinum America insurance offer COVID 19 health insurance for green card holders up to the policy maximum. The Greencard holder should be living outside the US and have an international address.

Visitors insurance USA, American visitors Insurance

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Fixed benefits US travel insurance have specific benefit limits for different covered medical expenses...

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We also offer international travel insurance plans covering pre-existing conditions which many older travelers look for...

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US Citizens traveling overseas

Thanks to the strength of the US Dollar, traveling overseas has become more affordable to US travelers. The number of US travelers going overseas has been increasing steadily over the year, particularly to Europe, Canada, Caribbean and to the Latin American countries. More recently there has been an increase in US tourists to Asia as well, and there has been an increase in the number of older travelers. US travelers should note that US domestic insurance including Medicare has little to no coverage outside US borders. It is therefore important to buy international travel health insurance.


Visitor visa health insurance USA, Visitors Insurance USA

  • Travelers to the USA from different parts of the globe can buy insurance offered by US insurance providers.
  • These plans can be purchased by US travelers, who are vacationing outside the US.
  • Insurance customers can compare different plans and buy them online.
  • These plans have better recognition in USA when compared to plans purchased in your home country.
  • The claims are settled in US dollars and for hospitalisation within the provider network, the billing is done directly to the insurance company.

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Visitors Insurance for travelers - Forum


Visitors Insurance for foreign traveler already in USA

Can I buy visitors traveler insurance for the person who has already arrived to USA ?
Thank you,

Dear Zack,

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.

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Covid19 visitor visa medical insurance USA - FAQ's

Travelling to USA during the coronavirus COVID-19 outbreak !!! Many international visitors who have plans to travel to USA in the coming days have questions about what cover are they getting in their international travel insurance cover for individuals who are visiting the U.S.

Does travel insurance cover Covid19 illness?

There are some USA Covid travel insurance plans available for travel that cover Covid19 as a new illness. International travelers can compare best Covid travel insurance plans and buy it online. These US covid travel insurance plans are available for visitors to the US, US citizens and US residents traveling abroad as well as non US travelers traveling outside their home country.

Will an insurance policy cover my parents for coronavirus related medical expenses, who are planning to visit the USA soon?

Yes, they can be covered. Post the declaration of coronavirus as a pandemic by WHO there are few US insurance companies who are offering to provide coverage for coronavirus as long as travelers have purchased the cover before contracting the covid-19 virus, however all insurance cover excludes preventive care from their cover, hence testing for coronavirus is not covered. America visitor insurance will be able to provide you with the best US visitor coronavirus travel insurance plan that will cover all your needs.

Will an existing International travel insurance for the USA, cover conditions related to coronavirus?

For all travelers who have an existing policy that they have purchased with other US insurance companies, they have to check with their policy guidelines to see what coverage is given as per the contract. Most insurers have excluded coverage for coronavirus post it was declared as a pandemic by the Centre of disease control USA while there are few US insurance companies who offer to cover coronavirus related conditions only if you have contracted the virus after your policy begins.

I do not have an international travel insurance cover and I am a visitor to the USA, will the treatment for coronavirus be covered if I purchase the insurance now?

Any medical condition which existed before the purchase of the international travel insurance policy will not be covered. If you have already contracted the covid-19 virus and want to buy the insurance policy now to cover the treatment, there will no coverage given in this scenario.

Travel insurance for foreigners in USA

Even as the threat of the Covid19 has reduced across the globe, the Covid situation remains fluid and is made more complicated with influenza and the respiratory syncytial virus (RSV) which are also spreading earlier and faster than usual in the US.

Given the pandemic, the Ukraine war and staffing disruptions in different airports across the globe, international travelers are understandably more concerned about safety while traveling. There is now an increased demand to buy the best visitors travel insurance.

Travel Insurance with covid coverage for visiting USA

To protect the trip it is advisable to get travel medical insurance with wide benefits like, trip cancellation, cancel for any reason, quarantine coverage, travel delay or interruption, baggage or personal belongings loss, medical expenses of COVID19, emergency medical evacuation and repatriation etc...

At American visitor insurance travelers can choose from a wide range of choices that cater to different travel and medical needs. Travelers can compare and add on benefits according to their specific requirement. Feel free to give us a call or email us and one of our customer support licensed agents will be able to help you.

Cheap Covid travel insurance for visiting USA

Trawick International insurance

Trawick International offers visitor medical insurance for coronavirus with their Safe Travels USA Insurance. The Safe Travels USA Comprehensive plan is ideal for travelers with pre-existing medical conditions even for travelers older than 70 years. Travelers can compare Safe Travels USA Covid19 travel insurance plans and buy it online to get coverage as early as the following day. Travelers can also download a visa letter which indicates that Safe travels USA visitors insurance covers covid19 illness.

International Medical Group (IMG) insurance for Covid19

International Medical Group (IMG) travel insurance offers coronavirus insurance for USA with the Patriot America Plus and Patriot Platinum insurance plans. The Patriot America Plus Insurance and Patriot America Platinum insurance include COVID coverage like any other illness up to the policy maximum.

Global Underwriters US visitor insurance

Diplomat America travel insurance by Global Underwriters offers coverage for covid19 as a new sickness. It is available for Non-US citizens or residents traveling to the US. Diplomat Long term Covid19 medical insurance must be bought for a minimum of 3 months and has a plan maximum options of $500,000 and $1,000,000 for medical expenses. You can compare Diplomat insurance for visitors to USA.

Seven Corners visitors medical insurance

Travel Medical Plus Insurance offered by Seven Corners includes health insurance treatment benefit for COVID19 (the disease); SARS-Cov-2 (the virus); and any mutation or variation of SARS-CoV-2.

Please know we are here to help you make the best, informed decision to get coverage even for COVID19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

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US visitors insurance providers

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.

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