Guide for short term travel insurance in USA

Travel insurance quote form

Do you want to insure trip cost as well as the health of the traveler?


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Traveler's residence
Travelers (Age)
Trip cost($)/person

Trip start date
Trip end date

Travel insurance with trip protection coverage - Highlights

Trip cancellation

Reimbursement for loss of pre-paid, non-refundable payments.

Medical evacuation

Transportation to or between hospitals as needed.

Trip delay

Reimbursement of food and lodging expenses due to delay in travel.

Lost baggage

Pays sum for lost or delayed luggage by airline.

Medical expenses

Covers cost of treatment for sickness or injury during your vacation.

Age & Citizenship
Start date
End date

Travel medical insurance with no trip protection - Highlights

Health care expenses

Covers medical costs for sickness or accidents during travel.

Doctor visit

Covers cost of clinic or doctor visit.

Pharmacy drugs

Expenses from doctor prescribed eligible medications.

Medical evacuation

Transportation to or between hospitals as needed.

Repat of remains

Return of moral remains to home country or local burial.

US travelers insurance, Travel health insurance USA

Guidelines for Travel Insurance in USA

  • How does medical insurance work?

    When you purchase visitor or travel health insurance, the premium that you pay is collected along with the premiums of other customers to form a pool of money. This collected premium money is used to pay the medical bills of individual customers who need health care. Your insurance coverage remains valid only as long as you continue to pay your premiums. Premiums are based on the age of the insured and so are not going to be the same for every applicant.

    You should know that purchasing insurance through a broker service like ours does NOT increase the price. Rather, you get a greater selection of products (some companies will not allow you to buy them directly from them) AND you get additional customer service from us as well as the company. When you purchase insurance, the insurance provider will give you an unique insurance plan number and an identification card which you refer to when you visit a hospital or medical practitioner.

    The insurance plan will also have details about filing claims. This involves filing a claims form along with providing all relevant documents about the medical expenses. The insurance provider will evaluate all claims that are filed and make the appropriate payment under your plan. Usually for hospitalization (In patient services), there will be direct billing to the insurance provider, while for outpatient services, the company will reimburse you after you have paid the bills.

  • When should I buy visitors insurance?

    It is advisable for international travelers to be insured under travel medical insurance before leaving their home country. Visitors can buy travel insurance after confirming travel plans and buying the air tickets. It is safe to be insured from the day you leave your home country. However, do note that insurance plans offered on our site can be purchased even after the journey has started.

    How do I buy visitors insurance plan?

    Buying visitors travel insurance is very simple which involves getting quote and comparing plans using our user friendly quote/compare facility and then buying the plan by filling out the online application. Our compare visitors insurance tool is easy to use and helps customers compare costs and coverage details.

    Can I go to any hospital covered with this insurance?

    The hospital you visit depends on the insurer and the plan purchased. Under some insurance plans, there will be PPO (Preferred Provider Network) or a network of hospital where a customer can expect cashless hospitalization. However, if the insurer is hospitalized outside of the PPO network then instead of direct billing to the insurer, there will be a reimbursement for the bills paid. Insurance customers can understand more about travel insurance PPO network using our insurance compare facility.

    How are the visitors insurance providers rated?

    Insurance companies who offer travel insurance are rated by A.M. Best rating an independent rating company. Using our compare tool customers can access the details of A.M. Best ratings of respective insurance companies. Insurance customers can find the A.M. Best Ratings under the plan details column in the results of our insurance tool.

    There are many insurance plan options, how do I know which plan suits me best?

    To help you answer that question we offer 24/7 customer support. Choosing a plan depends on factors such as your age, the length of your stay, destination .... Please do not hesitate to call us at 877-340-7910 or email American Visitor Insurance and a licensed agent can help you choose the right plan for your needs.

    What is the difference between the fixed policies and comprehensive policies?

    To understand the difference between Fixed and Comprehensive plans, please visit fixed vs comprehensive page on our website for detailed explanation with example.

    How much insurance should I buy?

    The answer, of course, depends on the individual traveling and the risk involved. If you are travelling to the US as a visitor, then we recommend coverage anywhere in the range of $50,000 to $300,000, this given the high cost of healthcare in the United States. As a student, this is also the coverage that most colleges and universities require of their international students. However, if you are travelling to Europe, the Schengen visa requires a minimum of $50,000 ($30,000 Euros).

    Can I get a discount if I buy from your company?

    The insurance industry is highly regulated. It is illegal for us as an agency to offer rebates or valuable incentives to purchase through us. However, given that we offer a wide range of options, you can find the best priced policy and you do not pay any extra when you buy through us or any other agency. In fact, some policies that we offer may not even be available directly from the insurer.

    What advantage is there to buying insurance from American Visitor Insurance?

    While you pay nothing extra for going through an agency like American Visitor Insurance, you do get an additional support help for free. We have customer service hours after the insurance company has closed and we also have contacts with all the companies which we can use to expedite your issues or requests with the companies. We work hard to be sure our customers are treated appropriately and get responses in a timely manner. Also, at American Visitor Insurance a user friendly visitors insurance compare tool is available for the convenience of the insurance customers.

    Is it safe to purchase insurance through your website? Why should I buy insurance online?

    Yes, absolutely. We make sure that all our sites are secure when you choose to buy the insurance. After your purchase, you will immediately get a receive a confirmation email from the insurance company with a Certificate ID number. Please note down this number or keep this number safe. This will allow you and us to communicate with the insurance company. Buying the insurance online keeps the cost down for the insurance company and they pass this savings on to you. If you were to purchase the same insurance via fax or mail, some companies use higher rates than those offered for on-line purchases.

    Do you sell insurance for international students and their dependents?

    Yes, we do sell insurance for F1 and F2 visa holders. International students can use our student medical insurance compare tool and get quotes and benefit details of eligible student insurance plans. Note that if the student already has insurance and the dependents do not, the dependents themselves are NOT eligible for student insurance. In that case, they can purchase insurance in our "visitor insurance" category.

    Do you offer insurance for F1 and F2 visa holders?

    Yes, we do have insurance for F1 and F2 visa holders. International students can use our student medical insurance compare tool and get of insurance according to your needs.

    Do you sell insurance for J1 and J2 visa holders?

    Yes, we do provide insurance for J1 and J2 visa holders at our J visa insurance section. Customers can compare J visa insurance plans and then make an online purchase at American Visitor Insurance.

    Do you have insurance for immigrants and Green card holders in the US?

    Yes, we do offer insurance for Green card holders and new immigrants to the USA. We have an user friendly immigrant insurance compare tool is available where immigrants can compare several quotes and then make a purchase.

  • Short term insurance categories

    Visitor Medical Insurance (Tourists and family members visiting USA)

    Visitor Insurance plans provide cover for medical expenses as a result of illness or injuries that happen while traveling outside your home country. Visitor Medical Insurance plans can be purchased anytime even during the trip and offer many levels of medical coverage ranging from $25,000 to $1,000,000. Visitor Insurance plans cover medical costs (limited cover for pre-existing conditions), prescription drugs, emergency medical evacuation and accidental death & dismemberment. Other benefits include, trip interruption, baggage loss, baggage delay etc.

    Global Health Insurance (Expatriates and regular international travelers)

    Global Health Insurance plans offer comprehensive major medical coverage in all countries including USA and are designed to the special needs of Expatriates and regular overseas travelers. Global Health Insurance plans offer comprehensive medical benefits including maternity, mental health, wellness (preventive check ups) and medical evacuation.

    International Student Health Insurance (Studying in a foreign country)

    International Students in America (US F1 visa), their spouses and children (F2 dependents) are required by American Universities to have good medical insurance coverage. International Student Health Insurance plans cover medical expenses (pre-existing conditions & pregnancy may be covered), prescription drugs expenses, emergency medical evacuation and repatriation.

    US Immigrant Health Insurance (H4, F2 Visa holders and new immigrants)

    US Immigrant Health Insurance are long term plans designed for the health needs of new immigrants (Green Card holders sponsored by family members) to the US and potential immigrants (H4 & F2 visa holders). Immigrant Health Insurance plans cover healthcare costs resulting from illness or injuries during the period of coverage. These plans offer coverage ranging from 2 to 5 years.

    Find the best immigrant insurance for immigrants and green card holders

    J1, J2 Visa Health Insurance (Exchange program students and scholars)

    US Government regulations stipulate that J-1 exchange scholars in the US and J-2 dependents must have health insurance, and if one fails to carry health insurance, the J-1 sponsor must terminate the exchange visitor program and inform the US Department of State. Benefits include coverage for medical expenses (pre-existing conditions may be covered), prescription drugs expenses, emergency medical evacuation and accidental death & dismemberment.

    Package Trip Insurance (Vacationers and cruise travel)

    Trip Insurance plans are packaged solutions designed for short term travel, vacations and tours. These plans offer good coverage at affordable prices. Benefits include coverage for medical expenses (pre-existing conditions may be covered), dental expenses, prescription drugs expenses, emergency medical evacuation. These plans can also cover your losses (non refundable ticket costs) due to a trip cancellation, trip interruption, lost baggage etc.

    Europe Travel Insurance (Business travel, vacation and Scehengen visa)

    The common Schengen visa allows travelers to go to all schengen countries. However Schengen visa countries require visitors to have health insurance coverage. Schengen Visa insurance have specific requirements defined by the consulates. These plans satisfy Schengen visa consulate requirements.

    Nanny (BabySitter) Health Insurance (Nannies during their stay outside their home country)

    Babysitter (Nanny) Health Insurance protects nannies and au pairs from hospital and doctor bills. Au Pairs and nannies who are non US citizens will often require health insurance to cover for medical expenses during their engagement. New immigrants to the country (green card holders) and au pairs while in the US are eligible for special classes of medical insurance.

    Pre-existing Coverage Plans

    Temporary medical insurance quote & plans are designed to protect against sudden accidents or illnesses and they usually do not include benefits for preventive care, physicals, immunizations, dental or vision care. These Short term plans typically do not cover pre-existing medical conditions. However the plans displayed in this page do provide some coverage for pre-existing conditions.

  • Choosing an insurance policy

    Overseas insurance while very important can be difficult to understand and choose for your specific needs. There are many plans, various coverages, options and restrictions. Deciding on a plan that best suits your needs is not always easy.
    One can compare all the major insurance policies, select, and purchase a policy that best suits your preferences using our Compare Visitors Medical Insurance tool.
    Feel free to call us if you have further questions, toll free at 877-340-7910.

  • Disclaimer

    AmericanVisitorInsurance has tried to provide relevant information to the best of our knowledge. However we make no guarantee regarding the accuracy of our answers. The exact answers for some of the questions can change periodically as insurance companies change their policies and is not liable for any problem resulting from the content on this Guide.

  • How Travel Insurance Works?

    At American Visitor Insurance, we are often asked how the visitor medical insurance plans work. People are concerned that in the end, as maybe they have read or heard, the visitor travel insurance policy will not pay for medical expenses they are expected to be covered. Well, we would like to reassure you that all the companies we work with pay out hundreds of thousands of dollars in claims every year to their customers all around the world. So, to put your mind at ease, we thought we could give some details about how claims procedure work and what steps a client should take in using their travel insurance.

    Know More

Trip Insurance FAQ's

What is Trip Insurance?

Trip Insurance is cover in a travel insurance that provides protection towards travel and trip related events. It provides coverage for travel delays, trip cancellation, trip interruption, missed flight, loss or damage of baggage and lost passport.

Under trip insurance travelers can choose trip cancellation, trip interruption cover for covered reasons. Travelers can include an extra rider in the travel insurance policy or cancel for any reason. Cancel for any reason allows the traveler to cancel the planned trip for reasons that may not be covered otherwise.

Why should travelers purchase trip insurance Cover?

ravelers should purchase trip insurance to have safe and stress free travel. Traveling often increases the risk for unexpected events and trip insurance provides coverage for cancellations of the trip due to any reasons that are covered under trip insurance, lost or stolen passport before traveling, in an event where the baggage is delayed or lost , if there is an emergency evacuation required trip insurance will provide coverage.

What is the importance of Cancel for any reason cover?

Travelers plan for holiday in advance however there is always a possibility for unexpected events to occur that lead to a need for cancellation. Such are the situations which are arising now due to the Coronavirus pandemic.

Travelers can purchase the extra coverage CFAR to get the majority of the non-refundable trip expenses covered for reasons that are usually not covered in the basic trip insurance cover.

If a trip needs to be canceled will travel Insurance cover the costs of the cancellation?

The travel restrictions are on constant review depending on the severity of the coronavirus cases around the world.

If the concern is about a sudden requirement of cancellation due to the surge of covid-19 then Cancel for Any Reason (CFAR) coverage is the good option to get coverage for the non-refundable trip expenses.

Are you required to get a Covid19 test to fly back to the USA?

Yes , any traveler entering the US is required to get a Covid19 test and the result is expected to be negative.

Do I need to get tested for Covid19 before traveling?

Most countries have made it mandatory for international travellers to carry a negative covid test report for entering their country.

What are the Guidelines for connecting flight to the US during the Covid19 pandemic?

All flights entering the US even for transit requires a negative Covid19 test report.

USA visa health insurance, Visitor visa health insurance USA

B1 visa insurance

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

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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, 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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H4 visa insurance

H4 visa health insurance, Health insurance H4 visa holders.

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Resourceful information while buying the popular visitor medical insurance

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.

International travel insurance for global destinations

Travel insurance for USA

American flag insurance

Coronavirus travel insurance for Covid19

>Given the current Covid19 pandemic, it is of paramount importance for international travelers to be equipped with the best Covid19 travel insurance plans. At American Visitor Insurance, we work hard to provide the best Covid travel insurance plan at these difficult times.

Travelers can use the compare covid travel insurance utility in our website to find the best travel health insurance with covid coverage option for your specific needs.

Travelers can also filter the list of available travel insurance options specifically for Covid travel insurance coverage plans offered by US travel insurance providers.

Does travel insurance cover Covid19 illness?

There are some best covid travel insurance that covers Covid19 as a new illness. International travelers can compare best Covid travel insurance and buy it online.

These covid travel insurance plans are available for visitors, US citizens and US residents traveling abroad as well as non US travelers traveling outside their home country.

Covid19 travel insurance

Covid travel insurance, Travel insurance Covid19

US citizen Covid travel insurance
Covid travel insurance for US citizens.
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Covid travel insurance for tourists to USA
Travel insurance with covid coverage for USA.
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Travel insurance for outside USA with Covid coverage
Travel insurance covid for travel outside USA.
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International student insurance with Covid coverage
Best student travel insurance that covers covid.
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Cruises insurance with covid coverage
Covid19 travel insurance for cruises.
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Europe Schengen Visa Insurance with Covid coverage
Europe Schengen Visa Covid19 travel insurance.
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Covid19 Quarantine Trip Insurance
Covid trip delay & accommodation coverage.
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Covid19 Trip cancellation insurance
Trip cancellation insurance with covid19 coverage.
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Covid19 new US Immigrant insurance
US immigrant /Green Card Covid insurance.
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Covid19 travel insurance for expatriates
Expatriate covid19 travel health insurance.
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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.

US visitors insurance providers

Expertise in offering travel insurance
20+ years!

Customers from
All U.S. states!

Customers from over
180 countries!