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Importance of buying visitors medical insurance when traveling to the US

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What does visitor travel insurance cover?


Health care expenses
Covers hospital expenses for sickness or accidents.

Doctor visit
Insures Doctor visits for sudden injury or sickness.

Pharmacy drugs
Doctor prescribed eligible pharmacy drugs expenses.

Pre-existing conditions
Some plans insure acute onset of pre-existing conditions.

Medical evacuation

Medical evacuation expenses to nearest facility included.

Repat of remains
Repatriation of remains to home country included.

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An overview

Buying Visitors Insurance for USA

Importance of buying visitor medical insurance

If you are traveling to the United States, it is important that you buy good visitors medical insurance. While visiting the US is fun, being forced to go to an US hospital can be traumatic. Unexpected emergencies can occur at any time, the world has witnessed it in recent days with the devastating coronavirus pandemic.

Closed borders, stranded travelers and cancelled flights brought about fear and stressful times for travelers. So, what’s better than adding travel insurance to the itinerary to travel in peace.

Unlike some other western nations, the United States does not have universal health care and domestic health insurance plans are limited to US residents. As a visitor to the US, you have to pay for medical/dental services should you need it.

While at first glance this might not seem like a big deal, but dig a little deeper and on seeing the cost of US healthcare you will realize the importance of getting visitors medical insurance when in the USA.. There are some excellent pandemic travel insurance plans available that can provide coverage while traveling to the US.

Medical care in the US is very costly and you might find yourself paying through your nose if you suffer from any illness, accident or contract new illness and are treated for the same in an US hospital. The cost of routine physician visit is very expensive in the US. The common ailments like Diabetes Mellitus with Hyperglycemia admitted to an emergency room would cost around $25,000.

Stroke resulting in ICU for about 10 days would cost $120,000, Heart attack treatment with medical bills for ambulance, hospital emergency room, ICU, EKG and MRI heart scans and continuing care from cardiologists would cost about $20,000, The average treatment cost of acute kidney failure in the USA was over $22,000 in 2018.

If you want to protect yourself from these high expenses, you need visitor medical insurance. Some visitor insurance plans from INF cover these pre-existing medical ailments. You will be visiting the US to explore the country and culture, to catch its sights and sounds, meet family or for business, you do not want any expensive medical treatment to interfere with your visit.


Let's see why visitor medical insurance is a must while traveling to the United States

  • US witnesses a record number of visitors every year and it is imperative all of them take visitor medial insurance because the USA is a great country to visit but Its health care is very expensive.
  • A routine visit to a physician is not only costly but massively expensive.
  • Any serious treatment can cost you an arm and a leg. God forbid you need to undergo a surgical procedure in the United States and don't have a visitor medical insurance that covers this procedure. The question to ask is – Will you be able to afford it and what if you can't?
  • You will want to avoid a hospital stay. Don’t want to pay an obscene amount of money for your hospital stay straight out of your pockets, get visitor medical insurance. Beyond the medical expenses, there are other reasons for visitors to buy medical insurance.
  • Avoid the confusion of a new medical ecosystem:
    Which doctor do you go to if you’ve fallen sick?
    Who are the medical practitioners in the area you are currently visiting?
    Which are the hospitals?
    With a visitor medical insurance you don’t have to find answers to such question in a medical emergency.
    The PPO (Preferred Provider Organization) that most of these insurance products are connected to, help you out. There is a huge nationwide list of doctors, hospitals and service providers that is a part of this network, which recognize your insurance provider. If you want treatment just look up the names and approach the medical expert in your area.
  • Your money stays in your pockets
    Using the services of a medical provider in the PPO network usually means doctors and hospitals will bill the insurance providers directly. You enjoy cashless billing. And the result – You don't scrimp on your US holiday.
  • Lots of choices on offer – To suit your budget
    There are two types of visitor insurance plans to choose from:

Travelers can compare visitor medical insurance quotes from different companies and use an insurance product that works best for their needs.

Given all these factors, it makes immense sense for visitors to buy travel medical insurance. While you can buy visitor medical insurance from your home country, buying from the US makes more sense as the companies are more aware of the complexities of the US healthcare system and make it easier for visitors to get the treatment they are looking for. What's more, if you are unhappy with the services of an insurance company, you can get in touch with insurance regulatory authorities in the US.

Visiting the US

The United States is reopening its borders for international travelers post the Covid19 pandemic. The Biden administration has announced that starting November 2021 international travelers will be allowed by air to the US however they will have to be fully vaccinated for Covid19 as well as show proof of a negative for Covid19 test taken 72 hours prior to boarding the US flight.

According to the United States Center for Disease Control (CDC), the US will accept vaccines that are approved for emergency use by the World Health Organisation.





  • 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

PER MONTH

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.

General - FAQ's

Does tourist health insurance USA cover Covid19 illness?

There are some travel insurance plans available with cover for covid19 as a new illness. International travelers can compare best travel insurance plans and buy it online.

These 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.

When should I buy visitors health insurance USA?

We recommend that you buy visitor health insurance after you have booked your flight and/or set your dates for travel. You should start the plan the day you leave your home country until the day you return to your home country. Keep in mind the "time" of the policy starting and ending will be based on Eastern Standard Time (EST).

However, it is not always possible wait until your dates are completely set. If you must buy the visitors health insurance before your dates are determined (say, because you are applying for a visa), you can make your purchase and then we can easily help you shift the dates of the trip.

For short term travel insurance you can also cancel the policy for a full refund before the start date of the plan (that is not the case with trip cancellation insurance). Sometimes it happens that you forget to make your purchase before you or your visitor leaves home.

This is also generally not a problem. Many companies allow you to make a purchase while mid-trip. Of course, anything that has already occurred (injury or illness) cannot be covered unless you had the policy in place before it happened.

How much does visitor insurance USA cost?

The cost of visitor health insurance usa or medical insurance plans for travel in USA will depend on (1) where you are traveling (traveling to the US is more expensive than traveling elsewhere), (2) travelers age (3) the length of the trip, (4) Fixed vs comprehensive visitor insurance.

Within those parameters, you can choose an economical fixed plan or a more expensive, but complete comprehensive plan. The cheapest visitor health insurance usa is a fixed benefit plan because it only covers a set amount for each medical expense.

The downside is that you only know what the insurance company will pay on your behalf; you may owe a little or a lot -- it will all depend on how much, specifically, for each service, you are charged. Someone in their Thirties will pay about $40 per month for a fixed plan or $60 for a comprehensive plan if traveling to the US.

That same person would only pay $30 for a comprehensive plan to go to Europe. The price is usually double for someone in their Sixties, and even more for older travelers.

Why is travel insurance to USA so expensive?

There is no denying that travel insurance to USA is sadly very expensive. The main reason for this is simply because the cost of healthcare in the USA is very expensive and the travel insurance USA costs are directly related to the healthcare costs.

One more factor for some 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.

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.
Travel Insurance FAQ

Why Visitors Insurance?

Visitor health insurance is most essential need while visiting a foreign country.

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Visitor Insurance USA

How to use Visitor Insurance USA

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Resourceful travel medical insurance information

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Factors for travel insurance Factors for Travel Insurance

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Types of visitor insurance Types of Visitor Insurance

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Claims Procedure Travel Claims Procedure

Travel insurance Claims Procedure

Travel medical insurance online claims process for getting medical care in a hospital.

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Covid19 travel insurance for international travelers

While travelling in the midst of a coronavirus pandemic, one must ensure that they have the right travel health insurance with proper Covid19 coverage. At America visitor insurance travelers can get visitors insurance for Covid -19 illness.

We offer a range of options for visitors where they can compare using our Visitors insurance for Covid19 comparison tool based on the factors like the travelers age, duration of travel, the maximum coverage required, deductible and the need for pre-existing conditions or for covid coverage.

Travelers can narrow down their search further by applying the “filter” option for Covid19 available in the tool. 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.

US visitors insurance providers

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