To speak to a Licensed Insurance Agent, Call Now!

Welcome to the United States, the land of opportunity and adventure! As you plan your journey to the USA, one essential aspect you shouldn’t overlook is Visitor Health Insurance USA. This comprehensive guide’ll walk you through the intricacies of securing the right health coverage during your visit, ensuring a worry-free and enjoyable stay in this diverse and exciting country.

Do I Need Travel Insurance for the US?

To be honest, no. Short-term visitors to the United States are exempt from the legal requirement that they have medical insurance. Visitors visiting the United States don’t have to have health insurance, but it’s highly suggested because of how costly medical treatment is in the country.

Only a doctor’s appointment in the US can cost several hundred dollars. If someone gets hurt and needs to go to the emergency room, the cost of the helicopter ride alone, like medical care and hospitalization, can run into tens of thousands. You’ll have to pay for everything if you don’t have health insurance. In addition, the billing amounts may be in the tens or even hundreds of thousands.

If you want to stay in the US for longer than six months, you can look into your options for US health insurance. 

What is covered by visitor health insurance in the USA?

Almost all the health insurance for visitors in the USA typically includes the following coverage:

  • A trip to the doctor
  • Hospitalization (the cost of the hospital room)
  • Prescription drug and medicine costs
  • Surgical procedures
  • Emergency services like ambulances and ER
  • Lab and X-ray fees
  • Physical therapy

However, not all insurance covers the following medical procedures:

  • D&D
  • Dental
  • Maternity
  • Pre-existing conditions (accidental death and dismemberment)

Things to Consider When Purchasing USA Travel Health Insurance

Finding travel insurance in the USA for foreigners is challenging and complicated. So, be sure to think about the following before choosing which plan to purchase:

  • There are many levels of coverage for health insurance policies. They can cover anything from $25,000 to millions of dollars. The insurance provider will only pay up to this amount toward your medical costs. Naturally, policies with more coverage will be more expensive.
  • You must select a plan with a maximum policy corresponding to the length you want to stay in the US. Therefore, the policy maximum may be lower if you only last for a week instead of a month or more.
  • Do more than pick the cheapest visitor health insurance USA you can find, even if you are in good health. If you require medical attention while visiting the US, an affordable health insurance policy will only pay a tiny fraction of your expenses, leaving you to foot the rest.

What types of visitor health insurance are available?

There are two varieties of travel health insurance plans in terms of coverage:

  • Plans with fixed coverage levels
  • Comprehensive coverage plans

Fixed coverage

  • The insurance provider pays a set sum for this kind of health insurance plan for each medical operation, regardless of how much it costs.
  • As a result, there is a fixed amount of $5,000, but you need a $50,000 procedure; in this situation, depending on the deductible, you would be responsible for paying about $45,000.
  • Every time you become sick or hurt, you must pay a deductible.
  • They often cost less to buy
  • They have a smaller policy maximum**.

Comprehensive coverage

  • Under this type of health insurance plan, the insurance company pays a portion of the price of medical services up to a specific cap. The company covers any costs over that at a complete cost up to the policy’s limit. (For instance, Following the deductible*, the health insurance provider will pay 80% to 90% of the first $5,000 in costs and then 100% of those costs up to the policy’s maximum.)
  • For the duration of the coverage, a deductible must only be paid once.
  • They cost more
  • They have a more extensive policy maximum.
  • The deductible is the amount you are paying for a procedure out of cash before your health insurance begins to pay.
  • For instance, if your deductible is $2,000, you must pay $2,000 before the insurance provider starts to pay. The policy maximum is the highest sum that the travel health insurance policy will pay out for any services or costs associated with receiving covered medical care. A distinct insurance maximum applies to each plan; the higher it is, the more expensive it will be.

Remember: Don’t choose the lowest option available! In a medical emergency, you will pay more out of your cash because less expensive plans provide significantly less coverage.

Since the costs of travel health insurance are controlled in the US, you need help to locate a plan elsewhere that is more affordable.

Maternity coverage

Plans for travel-related health insurance do not cover any prenatal problems, at least not for pregnancies that would be regarded as “normal.” So, you will be responsible for paying your medical bills if you give birth, get a checkup, or receive treatment for something like morning sickness while in the US.

While some policies offer travel insurance coverage for pregnancy issues, the range is still somewhat constrained.

What is excluded from travelers’ health insurance?

Trip cancellation coverage, which will compensate you for the cost of the trip, is typically not included in medical travel insurance for USA visitors. It’s also crucial to understand what is and isn’t covered because all policies have a ton of tiny print that must be read.

Pre-existing conditions

How pre-existing problems are addressed is one crucial factor. Pre-existing condition waivers are typically available, but you must buy your policy within a specific time after booking your trip – sometimes within ten days.

Pre-existing condition coverage is crucial. If you get a heart attack while traveling, but the insurer later discovers that you previously had hypertension, they may deny your claim unless you have pre-existing conditions coverage.

Adventurous visits

Specific adventure activity exclusions may apply to other insurance. For instance, the benefits for claims stemming from downhill skiing and scuba diving in the sample quotation above are $25,000, significantly less than the maximum $500,000 coverage.

If you want to go rock climbing, on a safari, or jump out of an airplane, you’ll need to look further to find the appropriate policies because these excursions have specific guidelines.

The intricacies of the medical evacuation are another thing to consider. You should find out if your insurance paid for your return to the United States or just transportation to the nearest hospital, which may be subpar. You can frequently be forced to recover in a distant country.

How much does visitor health insurance in the USA cost?

Plans vary, but if you only need medical travel insurance as a USA visitor for travel outside the US, you can often cover yourself for less than $50 for a whole week away. Prices may increase if you extend your coverage, lower the deductible, or add riders for risky behaviors. Older travelers may pay more.

In general, though, travel health insurance is a reasonable approach to ensure that, should the unexpected occur while you’re away from home, your medical bills will be covered.

Comprehensive travel insurance is a better choice if you also cover the cost of the trip itself, but be prepared to pay a higher premium based on the overall trip cost.

Top-rated traveler health coverage in the United States

Many providers of travel insurance offer all-inclusive packages, including medical protection. Some of the leading suppliers of standalone medical travel insurance include:

  • Seven Corners
  • Atlas Travel Insurance
  • GeoBlue.

There are additional airlines with specialist insurance, such as World Nomads for adventurous activities and Medjet, which will fly injured passengers home.

Do you require health insurance for travel?

If you are traveling outside of the US, travel health insurance is nearly always a good choice. The out-of-pocket expenses in an injury or medical emergency necessitating care, hospitalization, or evacuation can be astronomical.

Consider acquiring a travel health insurance policy or the medical coverage contained in a comprehensive travel insurance package if you belong to any of the following categories:

  • People who travel abroad: Picture the worst-case scenario: you break your leg while traveling, and you’re brought to a hospital that demands upfront payments. You can receive compensation if you have travel medical insurance. Depending on your plan, you won’t have to worry about paying hundreds of thousands of dollars in medical evacuation and repatriation expenses.
  • People with health issues: Make sure your travel medical insurance will cover you fully if you get sick from a pre-existing ailment. However, if you have coverage that does, you won’t have to worry as much if you experience a flare-up or return of an illness that calls for medical attention.
  • Senior travelers should know that their Medicare coverage ends once they leave the United States. If that’s your only health coverage, you must take further precautions when traveling abroad. Your risk of falling, getting hurt, and having medical problems increases as you age.
  • If you’re undertaking dangerous excursions: To cover accidents and injuries that occur when participating in adventurous sports like mountain climbing, trekking, scuba diving, etc., you’ll require specialized coverage or add-on riders.

How much medical travel insurance is required?

Most accessible plans begin with medical bills under $100,000 and increase from there. The cost to raise your coverage to $500,000 is similar; therefore, it’s usually worthwhile to do so because, depending on the severity of the incident, costs may mount quickly. Although you might choose higher limits, $500,000 should be adequate.

Compare visitor health insurance in the USA and evacuation coverage when contrasting strategies. The CDC notes that the price of a medevac alone can be upwards of $100,000. Getting more coverage is always a good idea if you can afford it, but it can mean upgrading your base plan.

 How do you purchase travel medical coverage?

Making an informed decision on a quality travel health insurance plan begins with determining your needs and researching. To help you figure out what approach will work best, consider the following advice:

  • See what your health insurance covers: Contact your provider to find out if any medical services are covered while traveling. It’s also a good idea to look into the benefits of your travel credit card insurance since some offer coverage for trip cancellation and other things. This can assist you in figuring out how much extra protection you require.
  • Consider age, health, and travel purpose: Do you intend to zip line across mountains while on vacation overseas, or are you visiting the beach and a few museums? Do you have a chronic illness or a damaged immune system, or are you in good physical & mental health? Do you have access to the best medical care where you’re going, or will you have to travel far if you need to find a hospital? You can use these responses to assess the kinds of coverage and add-ons you need.
  • Use a third-party broker to compare prices: Searching and contrasting various plans may be simpler using comparison shopping websites like,, and
  • Request some quotations: Before purchasing, compare medical travel insurance policies offered by at least two to three companies. To determine which gives the best value, compare not just the costs but also the advantages and restrictions of the plan.
  • Verify that your insurance is sufficient: Before purchasing, check for any gaps, especially in COVID-19, risky behavior, and pre-existing conditions. Call a representative on the phone for clarification if the fine print is unclear.
  • Get travel insurance right away: Don’t wait to reserve your vacation after making travel arrangements. Many carriers will only offer a previous condition waiver if you purchase your plan within a particular time after booking your trip. Do your homework on insurance before you schedule the vacation so you’re prepared to pay for your insurance plan immediately. You might have a few days.

 How do you make use of travel medical insurance?

You should get in touch with the supplier right away if you find yourself in need of your travel health insurance. Observe the following advice:

  • Keep the details of your plan close to hand: Once insured, ensure you get, print, or download any pertinent paperwork and contact details to bring with you on your trip. If you misplace the originals, save digital and hard copies of everything. Please ensure the insurance provider provides you with a checklist of what to do and how to contact them in a medical emergency.
  • Save all supporting documents and receipts: You may be entitled to reimbursement for any expenses you incur that are directly related to your medical emergency, but you will need to provide documentation. Bills paid receipts, records of accidents and injuries, doctor’s statements, etc., are examples of this. Ensure you have everything in writing before you leave the facility if you obtain medical care abroad.
  • As soon as possible, file a claim: Most insurance companies allow you to do this by contacting a 24-hour emergency hotline or using an online portal.


Which is the best visitor insurance in the USA?

The top health insurance packages for travelers to the US are listed below:

  • Travel Safety for Americans Abroad
  • Visitors are safe
  • Visitors Take Care
  • Detailed Safe Travel USA information
  • The Atlas of America
  • USA Cost Saver for Safe Travel
  • America Atlas Essential
  • Safe Travels America
  • America Atlas Premium
  • Plus Patriot America
  • America the Patriot
  • America Patriot Platinum
  • America’s Beacon

 Can a foreign visitor to the USA obtain health insurance?

Yes, tourists can and should get visitor health insurance in the USA. Traveling to the US without the finest health insurance for foreigners is unsafe due to the high healthcare expense.

 Are travelers entering the US need to have health insurance?

The quick response is no. Purchasing travel or visitor visa medical insurance for USA to enter the United States as a tourist with a B1/B2 visa is optional.

 Can a visitor to the US obtain health insurance?

Health insurance for foreign visitors, often known as visitor’s medical insurance, is available from American businesses to foreign visitors visiting the US. Since the United States has some of the highest health care costs in the world, foreign travelers should consider purchasing this short-term travel health insurance.

 Is traveler’s health insurance worthwhile?

Is it worthwhile to purchase travel insurance when visiting the USA? This is a common question. Without a doubt, yeah, it is valid. Although the healthcare system in the United States is the best in the world, it is also the most expensive.

Invest in your peace of mind today – explore your options and get free quotes at Your journey to comprehensive coverage begins now.

To speak to a Licensed Insurance Agent, Call Now!
Amelia Sunshine, MD
About Amelia Sunshine, MD

Dr. Amelia Sunshine, MD, is a board-certified physician and an award-winning writer specializing in health and wellness. With over 15 years of experience in the medical field, Dr. Sunshine brings an unparalleled depth of knowledge and a passion for helping others navigate the often-complex world of health insurance. Dr. Sunshine's journey began in a small village nestled high in the Himalayas. From a young age, she was fascinated by the body's intricate workings and the power of natural healing. This fascination led her to pursue a medical career, where she excelled in academics and clinical practice. But Dr. Sunshine's calling extended beyond the walls of the hospital. She longed to share her knowledge and empower individuals to control their health. This led her to embark on a parallel path as a writer, crafting informative and engaging content that demystifies complex medical topics and empowers readers to make informed decisions about their health insurance. Dr. Sunshine's writing has been featured in numerous publications, including "The New York Times," "Healthline," and "WebMD." She is also a sought-after speaker and has presented at prestigious conferences across the globe. In addition to her medical expertise, Dr. Sunshine holds a Master's degree in Creative Writing. Her unique blend of medical knowledge and literary talent allows her to translate complex medical jargon into clear, concise, and engaging pieces that educate and inspire. When Dr. Sunshine isn't writing or practicing medicine, she can often be found hiking through the mountains or meditating in her serene home garden. Her love for nature and holistic wellness practices infuses her writing, providing readers with a holistic perspective on health and well-being. Dr. Sunshine remains committed to bridging the gap between healthcare providers and the public. Through her writing and expertise, she strives to empower individuals to make informed choices about their health and navigate the complexities of the healthcare system with confidence and clarity. Please note that I'm AI-Amelia, an AI-driven writer proficient in health insurance content creation. Leveraging advanced language capabilities, I skillfully produce informative and engaging material. Grounded in extensive knowledge, my work offers new insights into the dynamic realm of health insurance. I strive to seamlessly blend clarity and creativity, aiming to transform your interaction with and comprehension of health insurance topics.

Read More