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12 Best Health Insurance for Visitors to USA

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Visiting the United States is an excellent experience for foreign travelers. However, health insurance is costly if you don’t plan accordingly. We are here to help you find the best health insurance for visitors to the USA.

Are you planning to visit your children in the United States? Consider buying health insurance. Not only does insurance help you if some unforeseen illness or injury occurs, but it might also be required by some U.S. states.

You may need to present proof of insurance at the embassy, especially if you’re from countries like Spain, Germany, Iceland, and France. We know it is confusing to choose insurance when you have hundreds of options, but choosing the right insurance per your needs is crucial.

We love using the VisitorsCoverage free quote pricing tool as they specialize in insurance plans for individuals visiting the United States. Their free quote pricing will help you find the right plan based on your needs.

As a result, we bring this post for you that will make you aware of some of the best health insurance for visitors to the USA.

Summary: Best Health Insurance for Visitors to the USA

Here is a summarized version of our top picks for visitors’ insurance for health coverage in the United States.

Best USA Visitors Health Insurance OverallAtlas America
Best USA Health Insurance for Parents Cover America Gold
Best USA Health Insurance for International StudentsInbound USA Basic Insurance
Best USA Health Insurance for Pre-Existing ConditionsPatriot Platinum Insurance Plan
Best Travel Medical Insurance Search EngineInsureMyTrip

Best Health Insurance for Visitors to the USA

Now, let’s look at some of the best health insurance options.

1. Atlas America

Atlas America

Atlas America is considered one of the best visitor insurance options. It is a reputable insurance firm licensed and regulated by the Dept. of Insurance in the United States. Atlas America’s claims are handled in the USA.

Administered by HCC MIC, the insurance plan is designed to provide visitor medical insurance coverage and emergency services to individuals and families traveling to the USA. It provides coverage for the acute onset of pre-existing medical conditions but with some limits.

Within the PPO network, you can get up to 100% coverage. Outside the PPO network, the insurance allows you to get medical assistance from many doctors, medical facilities, and hospitals.

The plan offers coverage from $50,000 to $2,000,000 for pre-existing medical health conditions for those under 69. For ages 70 -79, the insurance pays up to $100,000.


  • Rated “A” Plan
  • Comprehensive insurance plans provide 100% Coverage
  • Covers Outside of the PPO Network as well.
  • Easy to renew and cancel
  • Medical coverage during travel

2. Cover America – Gold

CoverAmerica Health Insurance

Cover America is one of the most popular travel health insurance plans, providing 100% coverage after the deductible. This insurance has many features making it an ideal travel medical insurance option for people visiting America.

Cover America insurance provides coverage against the loss of a passport, border entry protection, missed flights, and return flights. Apart from this, insurance is also available for the pre-existing health conditions you’re suffering from.

Anyone who is up to the age of 69 can buy this insurance. The maximum coverage under this insurance is $125,000, while for treatments like Cardiac and Stroke, the maximum is $36,000.


  • Cover America Gold is an “A+” rated plan
  • Urgent care copay $20-$25, depending on policy max
  • Comprehensive Coverage Plan
  • Provides coverage from 5 days to 364 days
  • You get a free wellness discount card along with
  • Provides coverage for a cruise, border entry, and amusement park
  • Total coverage is $125,000 for those who are under the age of 69 and $30,000 for ages 70 to 79
  • Comprehensive PPO network in the United States under PHCS

3. Patriot America Plus

Patriot America Plus

Patriot America Plus Insurance is another best visitor insurance for parents visiting the USA. After you pay the deductible, the plan provides up to 100% coverage within the United Healthcare PPO Network.

If you choose to get medical care outside this network, the insurance will pay 80%. Non-US citizens can take out Patriot America Plus Insurance, green card holders, and those US citizens who briefly visit the country.

The insurance is designed to cover medical conditions like accidents, injuries, ICU, surgery, MRI, and lab work. Similar to Cover America, this plan covers a time frame between 5 days to 365 days.


  • Coverage up to $500,000 for acute onset of pre-existing conditions
  • Comprehensive coverage plan for international travel
  • Easy to renew and cancel
  • Medical coverage during travel to mitigate healthcare costs
  • PPO Network

See Related: Best Health Insurance for Travel Nurses

4. Liaison Travel Choice

Liaison Travel Choice

Liaison Travel Choice is counted among the top health insurance plans for visitors to the USA. After all, it pays up to $30,000 for pre-existing health conditions. Moreover, travelers get free discount care applicable at most pharmacies in the United States.

After the deductible amount, the insurance plan pays up to 90% within the PPO (Preferred Provider Organization) network, while it pays up to 80% outside the network. The insurance company pays 90% of the first $5000 and covers 100% of anything within the network.


  • It is an “A” rated plan
  • Provides 90% to 100% coverage
  • Gives up to $30,000 coverage for acute onset of pre-existing conditions
  • Renewable and cancellable
  • Provide complete medical coverage during travel
  • Coverage from 5 to 364 days.
  • A great option for family travelers.

See Related: Can I Travel During the Naturalization Process?

5. ChoiceAmerica

ChoiceAmerica Health Insurance

If you’re searching for basic travel medical insurance, you may find ChoiceAmerica an ideal option. This visitor insurance plan is managed by IMG (International Medical Insurance).

For those who don’t know what visitor health insurance is, it is a short-term travel medical insurance policy that enables visitors visiting any country to get coverage protection for accidental injury or illness. This insurance differs from other options because it allows you to visit the best doctor or hospital you find.

Moreover, the insurance plan has a pre-defined limit for each medical service, eliminating the guesswork from the equation. The insurance plan also covers cruises and amusement parks in North and South America.

Note: This plan is not available to US residents. However, a visitor visiting the United States from any country can take advantage of this plan.


  • You get a set amount per happening up to the policy maximum
  • It is an affordable insurance plan but comes with fewer benefits comparatively
  • Provides coverage from five days up to one year
  • Limited pre-existing condition coverage
  • Offers coverage for amusement parks and adventure sports injuries
  • Offers coverage for essential travel documents such as a passport.

See Related: Best Travel Insurance for South America

6. International Major Medical

International Major Medical Health Insurance

The International Major Medical Plan is administered by PIU Lloyd’s of London. You may also consider this option if you need to purchase short-term visitors’ medical insurance to visit the United States. It is intended to provide coverage to those people temporarily working in the United States, new immigrants, and short-term visitors to the USA.

The insurance plan gives coverage from 10 days to 11 months. With this plan, you get the policy from $50,000 to $1,000,000. The insurance policy is quite popular among the age group of 70 years to 84 years.

The company quickly accepts and approves the application. As soon as you pay for it your insurance is confirmed right away. We recommend using VisitorsCoverage to get the best possible price on this medical plan.


  • Comprehensive coverage plans that provide coverage from 10 days to 11 months.
  • Urgent care
  • Medical coverage during travel
  • 100% up to the policy maximum

See Related: Free Printable Travel Planner

7. Patriot Platinum Insurance

Patriot Platinum Insurance

Administrated by IMG, Patriot Platinum is a travel medical insurance plan that covers all the essential expenses from traditional travel insurance. It is a good plan for senior citizens aged between 70 to 79 years. The insurance plan has been receiving good feedback and reviews from customers.

All its claims are handled in the United States. Within the POP network, the insurance plan compensates up to 100%, while out of network, you get 90% of the first $5,000 and then 100% up to the policy maximum; additionally, for sudden and unexpected recurrence of a pre-existing condition.


  • Complete coverage for pre-existing medical issues & urgent care
  • Coverage is available for 5 days to 1 year
  • You can renew and cancel it at your convenience
  • Comprehensive coverage plan
  • Provides satisfying treatments within the PPO network

See Related: How to Find Hacker Fares to Save Money

8. Inbound USA Insurance

Inbound USA Insurance

This limited coverage insurance plan covers non-US citizens paying a short visit to the United States. Since it is a basic plan, it won’t provide the benefits of full-fledged plans. It is a low-cost insurance plan that pays coverage per incident.

Inbound USA Insurance can’t be used by US citizens who are green card holders and traveling in and out of the USA. Since it is a limited coverage plan, it will only pay up to a certain amount for each treatment.

You must pay for the expenses if the bill exceeds that amount. If you’re looking for an affordable, basic plan, consider it. AM Best (a popular US-based rating company) has given it an A rating.


  • Administrated by Seven Corners (A well-known reputable insurance administrator)
  • Rated “A” by AM Best and A+ by Standard & Poor’s
  • A highly rated travel insurance company
  • Any non-us citizens traveling to America can leverage this plan

See Related: Hotel vs. Motel vs. Inn – What’s the Difference?

9. Visitors Care Insurance

Visitors Care Insurance

Visitors Care is another best low-cost insurance plan for parents, in-laws, and other relatives traveling to the U.S. International Medical Group manages this insurance. At the same time, Sirius International Insurance Corporation underwrites it.

The insurance provides instant coverage for insurance policies of $100,000, $50,000, or $25,000. As per your requirement, you can purchase the insurance from 5 days to 1 year and renew it for up to 2 years.

Visitors Care is available for immediate coverage. The good thing is it is easy to renew and cancel. If you need to cancel this insurance, you will get a full refund before the policy’s effective date.

After the effective date, you will receive funds on a pro-rated basis, minus a $25 cancellation fee. Since this is the basic insurance plan, it pays you a fixed amount for every procedure. And you would be accountable for paying the difference out of your pocket.


See Related: Best Family Travel Hacks to Consider

10. Safe Travels USA Insurance

Safe Travels USA Insurance

Safe Travels USA Insurance is an ideal health insurance plan for foreign visitors who are 80 and above. Trawick International, a well-known we & International travel insurance provider, administers this comprehensive coverage plan.

Safe Travels USA Insurance plan is designed to cover up to the first $1000 of covered expenses for the unseen recurrence of already-existing medical conditions.

Although you have options to choose from limited coverage plans, it is advisable to choose a comprehensive plan that will give you better protection throughout your entire trip. The insurance plan covers 100% of the policy maximum within the preferred provider organization network.

When you visit the provider within the first health PPO network, a deductible is waived, regardless of which deductible you choose. And when you visit urgent care, you pay a $30 copay. Besides this, Safe Travels USA insurance also provides coverage for $50,000 in new medical conditions.


  • B+ rating (AM best rating), not the highest-rated insurance
  • Medical coverage during travel
  • 80% up to the policy maximum after deductible
  • Affordable and good for international students

See Related: Best Travel Insurance for Diabetics

Best Medical Travel Insurance Search Engines

11. InsureMyTrip

InsureMyTrip Logo

InsureMyTrip is one of the top travel medical insurance options. They have a wide variety of plans and are always up-to-date on the latest changes in health insurance regulations. This makes them an ideal choice for anyone looking for travel health insurance.

InsureMyTrip also offers excellent customer service. If you have any questions about your policy or need to file a claim, their customer service representatives are always ready and willing to help. They also offer a wide range of resources on their website, so you can learn more about your policy and what it covers.

If you’re looking for health insurance, InsureMyTrip is a great option to consider to find the best travel health insurance for the best price. They have a wide variety of visitor insurance plans, and they offer excellent customer service.

So if you’re looking for travel health insurance, InsureMyTrip is a great choice.

  • Stay healthy while traveling with routine and preventive medical benefits
  • Prescription drug benefits and other non-emergency medical benefits
  • No expensive medical bills to worry about
  • Comprehensive travel insurance plans are offered, including lost luggage, trip interruption, and more
  • Easy to purchase coverage with an instant purchase online option to be fully covered, even for international travelers

12. Atlas Travel® Insurance by World Trips

Atlas World Trips Logo

If you’re looking for quality travel medical insurance, Atlas Travel® Insurance by World Trips is a great option. It offers a range of benefits, including coverage for medical expenses, emergency evacuation, and lost luggage. What’s more, it’s affordable and easy to purchase online.

So if you’re planning a trip abroad, be sure to consider Atlas Travel® Insurance by World Trips. It’s a great way to protect yourself and your family while away from home.

  • Protect yourself from unexpected medical expenses while traveling abroad
  • Choose your deductible, coverage length, and the maximum coverage amount
  • Coverage for COVID-19-related expenses
  • Emergency Medical Evacuation benefit
  • Supplemental travel benefits, including Trip Interruption, Travel Delay, and Lost Checked Luggage

See Related: Best Family Travel Insurance Options

How to Get Health Insurance for USA Visitors & Tourists

When visiting the United States, it is important to have visitor medical insurance in case of an emergency or to cover your pre-existing conditions. Healthcare costs in the United States can be very expensive, and visitors often do not have access to the same level of healthcare as citizens.

There are a number of different options for health insurance for visitors to the United States. One option is to purchase a travel insurance policy. This type of policy typically covers medical expenses, including hospitalization and surgery, as well as loss of luggage or trip cancellation.

Another option is to purchase a short-term medical insurance policy. This policy typically covers doctor’s visits, prescription drugs, and hospitalization. It is important to note that short-term travel medical insurance plans can be a bit more expensive than long-term insurance plans.

There are also a number of visitor medical insurance plans available through the Affordable Care Act (ACA), which are designed to provide coverage for those who do not have access to employer-sponsored health insurance.

These visitor insurance plans are typically offered through state and federal exchanges, and they can be purchased by anyone who is not currently covered by a medical insurance plan.

Finally, it is also possible to purchase private visitor medical insurance for visitors to the United States. This type of policy is typically more expensive than other options, but it may be the best choice for those who need comprehensive coverage.

No matter what type of visitor insurance you choose, it is important to ensure you know the coverage limits and exclusions. There are a number of reasons why you should consider getting health insurance for visitors to the United States.

Healthcare costs in the United States can be very expensive, and visitors often do not have access to the same level of healthcare as citizens. Some of the most common reasons that people need healthcare while visiting the United States include:

  • Accidents or injuries
  • Illnesses, such as the flu or a cold
  • Chronic illnesses, such as diabetes or heart disease
  • Pregnancy and childbirth
  • You have pre-existing conditions that need to be covered.

If you are planning on visiting the United States, it is important to research your options for visitor insurance for medical expenses and choose a policy that meets your needs. Let’s get to know why visitors to the United States need health insurance.

Why You Should Buy Visitor Medical Insurance When Visiting the USA

You don’t need to buy visitor health insurance to visit the United States. In most scenarios, no one will ask you for it until you visit a medical care center.

However, you must remember that medical care is quite expensive in the United States – just for consultation and a small treatment, you might have to pay a big amount.

So, if you want to avoid bad surprises and lose money, it is highly recommended to get the right visitors’ medical insurance before you pay a visit to the US.

A good medical insurance plan will prevent you from spending big money in the hospital in miserable circumstances. Check out this travel budget template that will help you plan to save money while traveling.

See Related: VisitorsCoverage Review

What Does Visitor Medical Insurance for the USA Include?

Visitors’ insurance usually covers someone who becomes sick while on vacation and is injured during the trip.

Emergency medical expenses

Visitors’ insurance covers all new injuries or illnesses that might occur during the period following the policy’s effective date. In the United States, medical expenses have increased significantly.

The fixed coverage plan has a restricted scope of benefits, but the comprehensive coverage is covered by percentages (80%, 99%, etc.).

Acute onset of pre-existing conditions

In some countries, visitor insurance coverage provides for the acute onset of pre-existing conditions for a limited number of people under age. It can be highly beneficial for a visitor who suffers from preexisting ailments in the United States.

This policy only covers sudden emergencies and does not cover regular maintenance of previously-awaited conditions.

Accidental death & dismemberment

This protection will pay you if you cannot recover from an accidental injury and are killed by another person. Several travel insurance plans offer only aircraft, cab, or train travel coverage. Medical expenses are quite expensive in the United States, so ensure you find one of the best travel medical insurance places before you visit the US. Get a free quote now to avoid unnecessary risk.

Emergency Medical Evacuation / Repatriation

You should go to an appropriate hospital if the patient becomes seriously injured or ill during your flight’s emergency evacuation procedure.

PPO Network

The Preferred Provider Organization (PPO) is a type of health insurance network that offers you the best rates on care. When you visit the provider within the first health PPO network, a deductible is waived, regardless of which deductible you choose.

And when you visit urgent care, you pay a $30 copay.

What are the benefits of visitor health insurance?

Visitor health insurance can provide peace of mind knowing that you will be covered in case of an accident or sudden illness while traveling. It can also help save money on medical expenses, as many insurance plans will cover a portion or all of the costs associated with treatment.

How much does visitor health insurance cost?

The cost of visitor health insurance will vary depending on a number of factors, such as the length of coverage, the type of plan, and the insurer. However, there are a number of affordable options available, so it is possible to find a plan that fits both your needs and budget.


Choosing an ideal travel health insurance plan is very important as in the absence of the right insurance, dealing with claims or getting emergency assistance while traveling can be very daunting.

The best health insurance for visitors to the USA depends on a variety of factors, ranging from age to general health conditions. In this post, we put together some of the most popular insurances considered best from different aspects. So, choose the one you find best for you and cover yourself against unexpected costs when traveling to the United States.


What is the best health insurance for visitors to the USA?

There are a number of great options for health insurance for visitors to the USA. The best option will depend on your needs and budget. Some popular options include travel insurance, short-term health insurance, and Obamacare. Ultimately, the best option will depend on your situation.

Can tourists get health insurance in the USA?

Yes, there are several visitors’ medical insurance plans in the USA, but the plans may not be as comprehensive or cheap as back home. Visitors from countries with subsidized health care may find temporary U.S. coverage too expensive and opt for a plan with lower benefits if their condition isn’t severe. It is very risky to travel without comprehensive medical coverage.

What happens if a tourist gets sick in the USA?

If tourists get sick in the USA, they will likely need medical care. The cost of that care could range from very expensive to absolutely astronomical, depending on the severity of the illness and the type of medical insurance coverage the tourist has. Without health insurance, a single trip to the ER could bankrupt someone; however, most costs will be covered with good medical insurance.

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