When your family or friends visit the USA, you want to make sure that their health and safety are the utmost priority. The USA have the most expensive health system in the world, and just a short hospital stay can cost thousands of dollars. Having, travel medical insurance for relatives visiting USA protects your loved ones from the unwanted medical expenses and gives you peace of mind.
Visitors to the U.S. are not eligible for free or subsidized healthcare, and hospitals often require advance payment from uninsured patients. Even common medical issues like a sprained ankle or a viral infection can result in bills exceeding $1,000–$3,000.
Without insurance, a major emergency or hospital stay could lead to tens of thousands of dollars in expenses. Visitor health insurance makes it possible for your loved ones to receive quick and excellent care without the pressure of finical difficulty. At American Visitor Insurance, visitors can compare and buy Affordable travel insurance online from top US providers, including plans that offer comprehensive coverage for medical emergencies, hospitalization, accidents, illness and the acute onset of pre-existing conditions.
Mrs. Rao, visiting from India, slipped and fractured her wrist in New York.
The ER visit and surgery cost over $18,000, but because she had US visitor health insurance, she paid less than $200 out-of-pocket. Without insurance, her family would have faced a major financial burden.
When selecting the travel medical insurance for relatives visiting the USA, consider the following important key factors to make an informed decision:
You can easily compare visitor health insurance USA plans at American Visitor Insurance or speak with our customer service team for personalized help at (877)-340-7910
US Healthcare is extremely expensive, and even a simple doctor’s visit can become a financial burden unless insured properly.
In 2025, the cost of travel health insurance for visitors to the US ranges between $19 to $172 per month, depending on
Cheaper options are available for as little as $1 to $5 per day, however the coverage is also limited.
Why is travel insurance USA is so important? A simple doctor’s visit can cost anywhere between $250 to $350, while a heart attack can cost at least $25,000. A stay in the ICU after a stroke can cost upwards of $150,000. As routine echocardiogram can range from $1,500 to $4,000 while emergency treatments for conditions like diabetes can cost anywhere from $3,500 to $7,000. Treatment for kidney failure can result in bills of over $30,000.
Cheap visitor health insurance for visitors to USA starts at $19 per month for fixed benefit plans. Following is the cost of visitor insurance per month.
| Plan Name | Plan max range | Deductible | Age 35 | Age 55 | Age 75 |
|---|---|---|---|---|---|
| Safe Travels Advantage | $25,000 - $150,000 | $0 | $19 - $54 | $29 - $82 | $59 -$160 |
| Visitors Care | $25,000 - $100,000 | $100 | $25 - $44 | $30 - $65 | $66 - $152 |
| Safe Travels Elite | $25,000 - $175,000 | $0 | $25 - $71 | $36 - $110 | $105 - $150 |
| Venbrook Essential | $25,000 - $150,000 | $0 | $25 - $74 | $36 - $105 | $66 - $142 |
| Visit USA Budget | $50,000 - $150,000 | $250 | $30 - $49 | $42 -$74 | $81 |
| VisitorSecure | $50,000 - $130,000 | $100 | $31 - $55 | $46 - $84 | $93 - $135 |
| Travel Medical USA Visitor Basic | $50,000 - $150,000 | $100 | $39 - $47 | $56 - $68 | $178 - $196 |
The cost of comprehensive visitor insurance starts around $53 month, depending on the age of the traveler, coverage limits, deductible, and optional add-ons. Higher medical maximum plans including pre-existing condition benefits and lower deductibles are more expensive.
On average, a good comprehensive health insurance plan costs between $58 to $108 per month for a 35 year old traveler.
Following are the cost of best health insurance for visitors to USA per month for a $250 deductible.
| Plan name | Plan maximum | Age 35 | Age 55 | Age 75 |
|---|---|---|---|---|
| Atlas Essential America | $50,000 - $1,000,000 | $53 - $98 | $117 - $200 | $244 - $326 |
| Visitors Preferred | $50,000 - $1,000,000 | $53 - $99 | $123 -$231 | $244 |
| Patriot America Plus | $50,000 - $1,000,000 | $57 - $106 | $124 - $235 | $279 - $420 |
| Safe Travels USA | $50,000 - $1,000,000 | $57 - $103 | $123 - $227 | $244 - $321 |
| Venbrook Premier | $50,000 - $1,000,000 | $58 - $104 | $129 - $240 | $352 - $437 |
| Atlas America | $50,000 - $2,000,000 | $58 - $114 | $127 - $253 | $344 - $429 |
| Safe Travels USA Comprehensive | $50,000 - $1,000,000 | $66 - $122 | $143 - $269 | $285 - $455 |
| Atlas Premium America | $50,000 - $2,000,000 | $72 - $142 | $158 - $316 | $430 - $537 |
| SafeVista Protect | $100,000 - $1,000,000 | $76 - $97 | $158 - $225 | $320 |
| Diplomat America | $50,000 - $1,000,000 | $81 - $142 | $176 - $303 | $342 |
| Travel Medical Choice | $50,000 - $1,000,000 | $98 - $173 | $186 - $333 | $736 - $1,000 |
| Patriot America Platinum | $1,000,000 - $8,000,000 | $108 - $226 | $240 - $494 | $604 |
| Visit USA Superior | $250,000 | $112 | $233 | $404 |
Travel worry-free with the best visitor insurance from American Visitor Insurance. Compare top plans instantly and choose coverage that fits your needs and budget. Secure your policy today and stay protected abroad!
For a 60-year-old traveler, the cost of USA visitor insurance for 6 months typically ranges around $122 to $1,050, based different coverage options, medical needs, and traveler’s budget on American Visitor Insurance.
The best 6 month USA travel insurance is the one which is affordable, reliable and allows the traveler stress free.
It’s best to purchase visitor health insurance for parents visiting USA before your relative arrives. Coverage can start right when they leave their home country and will cover them from then on for the entire trip. If they have decided to stay longer, most plans are easily extendable.
Yes, you can buy visitor health insurance after your parents arrive in the USA, but it’s advised to purchase coverage before their trip.
If you buy a plan after arrival:
To ensure continuous protection from the day they leave their home country, it’s best to buy the insurance in advance through American Visitor Insurance, where you can compare visitor medical insurance USA plans and activate it immediately upon departure.
The best US visitors insurance with pre-existing conditions coverage is listed here :
A fixed benefit travel insurance plan is the cheap health insurance for visitors to USA plan, however this is because the fixed benefit travel insurance have a fixed limit of coverage for different medical benefits. Fixed benefit visitor insurance works well for small ailments but can be inadequate for more serious medical conditions involving hospitalisation.
Cheapest fixed benefit visitor insurance plans for the USA
The cheapest US travel insurance is Safe Travels Advantage. The other affordable travel insurance for the US are Venbrook Essential from Venbrook International and Visitors Care from IMG. These plans offer basic coverage at lower cost for visitors to USA.
VisitorSecure is an another affordable travel insurance plan designed for international travelers visiting the US. Offers up to $1,000,000 in emergency medical expenses, medical evacuation, and repatriation.
Age: 40 years | Plan: $25,000 | Deductible: $0
Age: 40 years | Plan: $25,000 | Deductible: $0
Comprehensive travel insurance provide full coverage for medical expenses up to the policy medical maximum limit. As opposed to fixed benefit visitor insurance there are no coverage limits for each benefit. It is much more expensive when compared to fixed benefit plans but also provides significantly superior coverage especially in case of a serious medical emergency or hospitalisation.
Best comprehensive visitor insurance plans for the USA
Some of the top recommended best comprehensive plans are Patriot America Plus by International Medical Group, Atlas America from WorldTrips, Safe Travels USA Comprehensive from Trawick International. These plans are well-suited for travelers to the U.S., offering robust medical coverage along with benefits for the acute onset of pre-existing conditions.
Age: 40 years | Plan: $50,000 | Deductible: $250
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The cost of US visitors insurance depends on the following;
It is never too late to buy travel medical insurance for US tourists unless the visitor is already sick or injured, in which case the existing ailment will not be covered. As long as the international traveler is fine, he/she can buy the travel insurance at any time.
There are some travel insurance plans in the US that have certain time constraints since your latest arrival to the US after which travelers are not eligible to buy travel insurance, however not all US travel insurance plans have these constraints.
Travel medical insurance is not just a good idea, but a necessity! Health Care is very expensive in countries like the US, where not having travel health insurance for USA can be catastrophic.
Having travel Insurance for USA visitors can be a huge relief which comes in handy during any major unexpected sickness or injury while in a foreign country. Relative and parents are urged to buy travel health insurance for USA to have a safe sojourn outside their home country.
Yes, travelers to the US can buy a best travel insurance that fits the travel requirements along with Covid-19 benefits. There are many insurance plans who offer covid-19 cover along with quarantine benefits should there be a need for it.
Definitely, one can travel to the US on a tourist visa without travel insurance, however it is very important to have travel medical insurance as it can be financially suicidal being admitted to an US hospital without any insurance.
The healthcare costs in the US are extremely high and good travel insurance will put your mind at ease during your international travel.
Most domestic health insurance offers very little coverage outside their home country. Domestic Indian health insurance will offer little coverage outside India. Indian international travelers can buy Indian travel insurance, however it will be prudent to buy US travel insurance for travel to the United States.
US insurance companies work in the US hospital network and claims are easier settled by US insurance plans as opposed to insurance by international companies.
It is therefore recommended to purchase travel insurance from the insurance companies in the US. These insurance plans are available online and can be purchased from anywhere in the world before you start your travel.
For seniors above the age of 70, many plans provide a lower policy maximum with a couple of plans providing a policy maximum of $100,000 and $50,000. Seniors visiting the US who are Non US citizens above 70 can purchase Atlas America, Safe Travels USA, Safe Travels USA Comprehensive, Safe Travels USA Cost Saver, Travel Medical Choice.
Seniors above 80 and Non US citizens coming to the US can purchase Safe Travels USA Comprehensive, Safe Travels USA, Safe Travels USA Cost Saver
Travel insurance starts costing higher with age and is noticeable after the age of 65. Most of the plans start limiting coverage for acute onset of pre-existing condition after this age. Some plans continue to provide good amount of benefits up to age of 79.
Very few plans pay flexible benefits up to age 89. However, the policy maximum on the plans get limited to $10,000 or $20,000 with most of the plans. Few of them provide up to $50k and very few provide $100,000 as the policy maximum.
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You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Venbrook International, Global Underwriters, GeoBlue, HTH Worldwide, Trawick International, Travel Insurance Services, INF insurance, Travelex and BlueCross BlueShield Global Solutions.
