Factors to consider when purchasing visitor insurance

Compare and buy US travel insurance

Age & Citizenship
Start date
End date

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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US visitor travel insurance - FAQ's

What factors to consider when choosing visitors insurance?

When choosing visitor travel insurance, there are several factors that you should consider, including:

  • Medical coverage: The main factor to consider is the type of visitors insurance coverage you need. Are you looking for comprehensive travel insurance which is more expensive or fixed benefits travel insurance
  • Premium: The premium is the cost of the travel insurance.
  • Deductible: The deductible is the amount you have to pay before your insurance coverage kicks in. You should choose a deductible that you can afford to pay out-of-pocket in case of an emergency.
  • Network: If you are buying travel health insurance, you should consider the network of providers that are covered by the plan. You want to make sure that your preferred healthcare providers are in-network so that you can get the care you need.
  • Financial stability: You want to choose an insurance company that is financially stable and has a good reputation. You can check the financial ratings of insurers through independent rating agencies like A.M. Best. These ratings are available on American Visitor Insurance travel insurance comparison tool.

By considering these factors, you can make an informed decision when choosing visitors travel insurance and ensure that you are getting the coverage you need at a price you can afford. Travelers should compare different US travel insurance plans, benefits and cost options from popular US travel insurance companies on American Visitor Insurance to find the best fit for their specific needs.

What is most important in travel insurance?

The most important factor in travel insurance is the medical coverage. Traveling to a new country exposes you to different environmental and health conditions, and there is always a risk of getting sick or injured. Medical coverage ensures that you can get the necessary medical treatment in case of an emergency.

When choosing travel insurance, you should make sure that the policy covers emergency medical expenses, including hospitalization, surgery, and medical evacuation. You should also consider the coverage limits and whether pre-existing conditions are covered. Other important things to consider in travel insurance include trip cancellation and interruption coverage, baggage loss or delay coverage, and emergency travel assistance.

However, medical coverage should be the top priority when choosing travel insurance, as it can potentially save you thousands of dollars in medical expenses in case of an emergency. Travelers should compare the best US travel insurance plans, costs, benefits and coverage options on American Visitor Insurance to find the best fit for their specific needs.

What is usually covered by travel insurance?

Travel insurance typically covers a range of unexpected events and expenses that can occur before or during a trip. The specific coverage and limits may vary depending on the policy and the insurance provider, but here are some of the common things that are usually covered by travel insurance:

  • Medical expenses: This coverage pays for medical expenses if you get sick or injured while traveling, including hospitalization, emergency medical evacuation, and repatriation of remains.
  • Emergency medical evacuation: This coverage pays for transportation to the nearest adequate medical facility or back home if you require emergency medical treatment.
  • Trip cancellation or interruption: This coverage reimburses you for non-refundable expenses if you have to cancel or interrupt your trip due to a covered reason, such as illness, injury, or a natural disaster.
  • Baggage loss or delay: This coverage reimburses you for the cost of replacing your baggage if it is lost or delayed by the airline or other carrier.
  • Flight or travel accident: This coverage pays a benefit in case of accidental death or dismemberment during a flight or other covered travel.
  • Rental car damage: This coverage pays for damage to a rental car, so you don't have to pay for it out of pocket.
  • Travel delay: This coverage pays for additional expenses, such as lodging and meals, if you experience a significant travel delay due to a covered reason.
  • 24/7 assistance: Many travel insurance policies offer 24/7 assistance services, including emergency medical assistance, travel information, and concierge services.

It is important to note that the coverage and limits of travel insurance will vary depending on the policy and the insurance provider. It is important to carefully review the policy and understand the terms and conditions before purchasing travel insurance.

Factors to buy travel insurance

The visitors insurance compare tool is intuitive and easy to use. The US travel 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. Several factors determine the cost of travel insurance.

Different travelers have different needs, while some are looking for the most affordable prices, others are looking for comprehensive coverage even if it is more expensive. Some travelers are looking for the maximum medical coverage, and some for specific options such as coverage for adventure sports, or coverage for acute onset of pre-existing conditions. Travelers should review the different travel insurance pricing factors, plan benefits and exclusions so as to make an informed decision.


4. Exclusions

Most insurance policies exclude coverage for certain conditions. Read the list of exclusions carefully.

Benefit Period

6. Benefit Period

The longer the benefit period the better the coverage. Some plans limit the time duration that the plan will pay.

How much does US travel Insurance cost ?

There is no single price for all US travel insurance plans as the price of US travel health insurance varies depending on factors like the age of the traveler (the older the traveler, the higher the cost), the medical maximum coverage (greater coverage is more expensive), the co-insurance and deductible for the plan, the type of travel insurance (Fixed vs comprehensive travel insurance), and the coverage if any for pre-existing conditions. For a typical traveler, there are cheap travel insurance plans at less than a dollar a day. In general the cost of US travelers insurance starts from as low as $15 per month and can go up to $200 per month. Understandably, the more expensive the travel insurance, the more comprehensive will be the travel insurance coverage.

Cost of best Visitor Medical insurance USA plans

For eg. Age - 40 years, Duration - 1 Month, Deductible - 0
Providers Travel Insurance Plans Medical limit ranges Estimate Plan Cost+
International Medical Group (IMG) Patriot America Lite $50,000 - $1,000,000 $90 - $165?
Patriot America Plus $50,000 - $1,000,000 $90 - $165?
Patriot America Platinum $2,000,000 - $8,000,000 $180 - $310?
Visitors CareFixed benefit $25,000 - $1,00,000 $30 - $50?
Trawick International Safe Travels USA - Cost Saver $50,000 - $1,000,000 $70 - $120?
Safe Travels USA $50,000 - $1,000,000 $90 - $160?
Safe Travels USA Comprehensive $50,000 - $1,000,000 $90 - $160?
Safe Travels EliteFixed benefit $50,000 - $175,00 $40 - $60?
WorldTrips Atlas America $50,000 - $2,000,000 $110 - $230?
Atlas Premium America $50,000 - $2,000,000 $190 - $330?
VisitorSecureFixed benefit $50,000 - $130,000 $40 - $80?
Seven Corners Travel Medical Basic $50,000 - $1,000,000 $110 - $180?
Travel Medical Choice $50,000 - $1,000,000 $120 - $230?
Travel Medical Plus $50,000 - $1,000,000 $160 - $290?
Inbound USA BasicFixed benefit $50,000 - $150,000 $55 - $70?
Inbound USA ChoiceFixed benefit $50,000 - $150,000 $80 - $100?
Global Underwriter Diplomat America $50,000 - $1,000,000 $130 - $220?
Travel Insure Visit USAFixed benefit $50,000 - $250,000 $50 - $190?

Why is travel insurance to USA so expensive?

There is no denying that travel insurance to USA is sadly very costly. 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 USA travel insurance plans to be very expensive is that there are specially designed travel insurance USA plans available for older travelers, with higher medical coverage as well as some plans with coverage for pre-existing ailments.

USA Travel Insurance

How to buy visitors insurance ? How to find the best visitor health insurance ?

There are many visitor health insurance plans for coverage in the USA offered by US insurance providers. Given the several US visitor insurance options, it can be confusing to find the best health insurance for travel to USA for your needs. What is very useful in making this decision is to compare travel insurance USA of different companies. The US 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 US traveler insurance deductible, any US travel health insurance plans with coverage for pre-existing ailments, travel insurance USA 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.

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.

Steps to buy
US visitor travel insurance online

 Step 1: Finding the available US travel insurance plans

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

Step by step travel insurance

Different types of US Visitors insurance

Fixed Benefit travel insurance

A fixed benefit travel insurance plan is the cheapest travel insurance plan option. Fixed benefit travel insurance is cheap because it has a fixed limit of coverage for different medical benefits.
Fixed benefit travel insurance plans work well in case of small ailments but can be inadequate in the event of a serious medical ailment or hospitalisation.

Comprehensive travel insurance

Comprehensive travel insurance plans provide exhaustive coverage for health expenses up to the policy medical maximum amount. In contrast to fixed benefit plans there are no limits for each benefit. Comprehensive insurance is more expensive when compared to fixed benefit plans but provides significantly better coverage in case of a medical emergency or hospitalisation.

USA visa health insurance, Visitor visa health insurance USA

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

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

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

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H1B visa health insurance, Travel health insurance for H1B visa holders.

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Travel health insurance USA

Travel insurance for tourists in USA, tourist insurance USA.

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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.

Countries that need travel insurance

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These are certainly uncertain times for international travelers with corporate travel being particularly vulnerable to the Covid pandemic, the war and labor shortages in airlines and airports in Europe and the Geo-political tension in Taiwan. Even though international travelers are allowed to the US without any restriction the risks of the Covid pandemic still remain. In this context it is still very important to buy the best annual travel insurance with Covid coverage. If you are an international traveler without health insurance or if it will run out soon, do consider buying an alternative annual travel insurance with coronavirus coverage. At American Visitor Insurance we are committed to getting you the most appropriate international travel insurance covid policy you need even under these difficult circumstances.

Annual multi trip travel insurance with Covid19 - Available Plans

Covid19 travel insurance

Covid travel insurance, Travel insurance Covid19

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International travel insurance for global destinations

Travel insurance for USA

American flag insurance

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.

US visitors insurance providers

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