🛡️ Reliable Travel Insurance for Visitors to the USA
- Finding Reliable travel insurance for the USA depends on travelers’ needs, travel plans, and budget. Travelers need to do a research on different travel insurance providers that offer coverage for trips to the USA.
- Reliable U.S. travel insurance can feel complex but the right plan gives you peace of mind throughout your trip. Whether you’re visiting family, exploring cities, or coming for business, having dependable coverage ensures protection against unexpected medical and travel emergencies.
- Before purchasing a travel insurance policy, review the policy details, including the fine print. If you want coverage for pre-existing medical conditions, make sure the travel insurance policy covers them adequately.
- Some policies may offer coverage for pre-existing conditions as long as certain criteria are met. If you're unsure about which travel insurance policy to choose, consider consulting with American Visitors Insurance who can help you find best health insurance for visitors to USA.
- Traveling to the United States is exciting, but healthcare costs here are among the highest in the world. Even a simple emergency room visit can cost hundreds or thousands of dollars. That’s why choosing reliable US travel insurance is one of the most important steps before you travel.
Best health insurance for US visitors vary widely, and while they provide coverage for many situations, it's important to understand that no travel insurance plan covers everything. Medical Insurance for US visitors insurance typically include a set of benefits, exclusions, and limitations, and it's essential to carefully read the policy terms and conditions to understand what is covered and what is not.
Common Inclusions in best travel insurance for USA visitors:
- Trip Cancellation/Interruption: Coverage for non-refundable trip expenses if the trip is canceled or interrupted for covered reasons such as illness, injury, or unforeseen events.
- Emergency Medical Expenses: Coverage for medical expenses incurred due to illness or injury during the trip.
- Travel Delay: Reimbursement for additional expenses incurred due to travel delays.
- Lost or Delayed Baggage: Coverage for lost, stolen, or delayed baggage and personal belongings.
- Emergency Evacuation: Coverage for the cost of emergency evacuation to the nearest adequate medical facility.
Common Exclusions in best travel insurance for visitors to USA:
- Pre-existing Conditions: Many policies exclude coverage for pre-existing medical conditions unless specified otherwise.
- High-Risk Activities: Some policies may not cover injuries or incidents related to high-risk activities such as extreme sports or certain adventure activities.
- Unforeseen Circumstances: Some policies have specific criteria for what is considered an "unforeseen circumstance" leading to trip cancellation or interruption.
- War and Terrorism: Acts of war or terrorism may be excluded from coverage in some policies.
- Intentional Acts: Injuries or damages resulting from intentional or reckless behavior may not be covered.
- Losses Due to Alcohol or Drug Use: Incidents related to the use of alcohol or illegal drugs may not be covered.
- The optimal time to buy Reliable medical insurance for visitors to USA depends on various factors, including the type of coverage you need, the nature of your trip, and the specific terms of the insurance policy. Buying best insurance for visitors to USA early, shortly after booking your trip, is advisable.
- This ensures that you have coverage for unforeseen events that might occur before your departure.
- Early purchase may also provide coverage for trip cancellation or interruption due to covered reasons.
- If you have pre-existing medical conditions that you want coverage for, purchasing travel insurance early is important.
- Some policies have waiting periods or exclusions for pre-existing conditions, and coverage is often more comprehensive when purchased early.
- The optimal time to purchase travel insurance can vary based on the provider and the specific policy terms.
What Are Some Reliable and Trustworthy Travel Insurance Plans?
- Many travelers come across negative or scary reviews about travel insurance companies and start to wonder if buying coverage is even worth it.
In reality, having travel medical insurance is essential — especially for trips to the USA, where healthcare costs are extremely high.
-
Online reviews can often be confusing or unreliable because:
- It’s hard to tell if a complaint is real or just trolling.
- Many reviews lack details to understand what really happened.
- Some travelers simply didn’t understand the policy they purchased.
-
Visitor insurance plans are designed for
sudden illness or unexpected accidents — not for ongoing or planned medical treatments.
-
Travel insurance will not cover:
- The birth of a child or maternity expenses
- Cosmetic or elective surgery
- Regular medical treatments such as dialysis or routine checkups
-
All the insurance companies we work with at
American Visitor Insurance have paid out
hundreds of thousands of dollars in legitimate claims for their customers.
That’s why we confidently consider them reliable and trustworthy.
-
You can verify each insurer’s financial strength through
AM Best ratings which reflect both customer satisfaction and financial stability.
-
Our experienced support team is always ready to help you:
- Understand your policy coverage
- File a claim or check its status
- Clarify the reason behind a claim denial
-
Buying from reputable providers ensures you have the right protection for medical emergencies and peace of mind throughout your trip.
Best Health Insurance for Foreigners in USA
Why Reliability Matters in Visitor Insurance USA?
Medical care in the U.S. can be expensive. A good visitor insurance plan helps you handle sudden illness, accidents, or trip disruptions without major financial stress.
Reliable U.S. travel insurance should include:
- Emergency medical treatment
- Hospitalization and doctor visits
- Emergency evacuation and repatriation
- Trip interruption or cancellation
- Lost or delayed baggage protection
What Are the Benefits of Reliable U.S. Visitor Health Insurance?
- 24/7 medical assistance in case of emergencies.
- Cashless claims in major hospital networks.
- Coverage flexibilitychoose policy maximums and deductibles.
- Renewable policies for extended visits.
- Optional add-ons like trip cancellation or sports coverage.
Why You Need Reliable Travel Insurance in the USA?
Visitors to the U.S. often underestimate how quickly medical costs can add up. Even minor illnesses or accidents can cause major financial stress if you’re uninsured.
Reliable travel insurance ensures:
- Cashless access to quality healthcare within PPO hospital networks.
- Protection against sudden medical emergencies.
- Coverage for unexpected travel disruptions.
- Assistance during emergencies (24/7 support, evacuation, repatriation).
- Peace of mind throughout your visit.
💡 Tip: The earlier you buy travel insurance (ideally before departure), the sooner your coverage begins — especially crucial for senior travelers or those with pre-existing conditions.
What Are the Key Features of Reliable Travel Insurance Plans?
Trip Cancellation and Interruption Coverage
Reimbursement for prepaid, non-refundable trip costs if you must cancel or cut short travel due to covered reasons.
Emergency Medical Coverage
Protection against medical expenses for illness or injury during travel, often with high coverage limits (commonly $100,000 or more).
Emergency Medical Evacuation and Repatriation
Covers transport to an appropriate medical facility or return to home country in case of severe medical emergencies.
Baggage Loss and Delay Protection
Compensation for lost, stolen, or delayed checked-in baggage and personal belongings.
Travel Delay and Missed Connection Benefits
Financial support for accommodation, meals, and rebooking when delayed flights or missed connections occur.
Personal Accident and Liability Coverage
Benefits for accidental death or disability and legal liability protection if you cause injury or property damage.
24/7 Emergency Assistance Services
Access to multilingual support and coordination for emergencies at any hour
Coverage for Pre-Existing Conditions
Some plans offer acute onset or full pre-existing condition coverage, critical for travelers with known health issues.
Flexibility and Renewability
Option to extend coverage or renew policies without gaps, ensuring continuous protection during longer stays.
Reliable US Travel Insurance Reviews
Karen
" I had a no-problem trip but Seven corners was easy to deal with in the securing of the travel insurance and dealing with a few issues prior to departure."
Margaret
" I have always gotten a quick response with a live person. I placed a claim, we will see it their payment to me is as good as their customer service is."
Connie
"Good policy options and pricing. Like to purchase high coverage for medical without covering full cost of trips - like the options Seven Corners provides."
Have Questions?
Need help understanding your policy?
Our Customer Service team is available 24x7, putting your needs first every step of the way.
Top US Visitor Health Insurance Plans in 2025
Cheapest visitor health insurance for visitors to USA
Policy Maximum?
$25,000 - $150,000
Period of Coverage?
5 days to 364 days
Urgent Care?
Up to $130 visit
Visitors CareFixed Benefit Plan
Low-cost fixed benefit plan for international travelers visiting the U.S.
Policy Maximum?
$25,000 - $100,000
Period of Coverage?
5 days to 2 years
Comprehensive travel medical insurance for NonU.S. residents visiting the United States
Policy Maximum?
$50,000 - $1,000,000
Period of Coverage?
5 days to 12 months
Atlas AmericaComprehensive Plan
Best travel medical insurance for visitors to the USA
Policy Maximum?
$10,000 - $2,000,000
Period of Coverage?
364 days
Best visitor insurance covering acute flare-ups of chronic and pre-existing conditions.
Policy Maximum?
$50,000 - $1,000,000
Period of Coverage?
5 days to 364 days
PPO Network?
PHCS Network
Urgent Care?
$30 per Incident
Top-tier visitor insurance with acute onset benefits for Non-U.S. citizens
Policy Maximum?
$50,000 - $1,000,000
Period of Coverage?
5 days to 364 days
Urgent Care?
$30 per Incident
* The cost displayed for Safe Travels Advantage and Visitors Care is based on a 40-year-old traveler, with a $25,000 policy maximum and $0 deductible.
# The cost shown for Patriot America Plus, Atlas America, Venbrook Premier and Safe Travels USA Comprehensive is based on a 40-year-old traveler, with a $50,000 policy maximum and a $250 deductible.
How Much Does Visitor Health Insurance USA Cost?
How Much Is Medical Insurance for Tourists in the US?
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
- Age of the traveler
- Insurance company
- Type of visitors insurance
- Coverage limits
- Whether pre-existing conditions are covered
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.
How Much Does Cheap Visitor Insurance in the USA Cost?
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
|
How Much Does the Best Comprehensive Visitor Insurance Cost per Month?
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
|
Source:
American Visitor Insurance®
Get the Best Visitor Insurance Today!
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!
How Much Does 6-Month Medical Insurance for Visitors to USA Cost?
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.
From ER visits to urgent care, stay covered for 6 months in the U.S starting from just $1.50/day!
❓ Reliable US Travel Insurance - FAQ's
The cost of visitors insurance in USA depends mainly on the following factors; The age of the traveler, the duration of visitors insurance coverage, type of visitors insurance (fixed vs comprehensive coverage), any add on coverage requirements, or the need for health insurance for visitors to usa with pre-existing conditions.
Reliable plans are backed by reputed U.S. insurers, offer 24/7 assistance, and include emergency medical and evacuation coverage.
Travel insurance is not mandatory for most visitors to the U.S., but highly recommended due to high healthcare costs.
Yes, several plans such as GlobeHopper Senior and Safe Travels USA Comprehensive are available for travelers aged 70+.
Yes, most visitor insurance plans allow purchase even after arrival, but coverage typically starts only after the effective date. It’s always safer to buy before your trip starts to avoid uncovered incidents during transit.
Yes, most plans can be renewed before the policy expires. Make sure to renew early to maintain continuous coverage.
Visitor insurance typically covers only the acute onset of pre-existing conditions. sudden relapses requiring immediate care.
What Are the Key Factors to Consider When Buying the Best Travel Medical Insurance for the USA?
| Important Definations |
Advantages |
Disadvantages |
| flight Travel health insurance USA plans |
|
Fixed benefit US travel insurance: These cheap travel insurance for usa plans have specific limits for different medical expenses. These limits are not the same as the plan medical maximum. |
These plans do not have any sub-limits to get visitor coverage for specific medical conditions. This is the cheapest travel insurance but with basic coverage. |
These are cheap travel insurance plans with a restricted visitor coverage, and is limited to specific ailments or illness. |
|
Comprehensive travel insurance USA: These plans do not have benefit limits based on the type of medical expense. Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance) |
Cost depends mainly on age of traveler. Comprehensive travel insurance paying up to the policy maximum |
More Expensive than fixed benefits |
| ecg_heart Pre-existing conditions coverage |
Acute Onset of a Pre-Existing Condition open_in_new
-
The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms). A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset.
|
If the insured person is diagnosed with a disease or medical condition, this visitors coverage is very important. |
Most expensive for full pre-existing conditions coverage, and cheapest where pre-existing conditions is not covered at all. |
Full Pre-existing Conditions
Coverage open_in_new
- Full Pre-Existing coverage, covers all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.
|
| refresh Renewability |
| Travelers can renew their existing policy online. Extension of insurance policy should be done before the expiry date. |
Visitors need to stay on the same policy without break in coverage |
Some plans are not renewable. Here a new policy should be purchased and existing ailments are considered pre-existing and may not be covered. |
| location_city Provider Network |
| A Provider network (PPO) is a network of participating providers like hospitals and doctors, that are affiliated with the insurance company. Most insurance plans have nationwide PPO network. |
The billing by hospitals is lower within a PPO network. PPO also offer more services like vision, dental or prescription drugs when compared to Non PPO plans. |
PPO network might not be in the hospital which you would like to visit |
| pregnant_woman Maternity |
| Some US visitors need medical insurance for maternity. A few USA medical insurance for visitors and some student medical insurance plans offer limited coverage for maternity. |
This covers complications of pregnancy and new born care. |
Some plans cover new born care up to 31 days only |
| description Different type of Visas with some specific insurance requirements |
| J1 visa holders need insurance according to US authority requirements. F1 visa holders are usually mandated by Universities to have students insurance. Schengen visa insurance is needed while applying for Schengen visa. |
In the USA health care is very expensive and hence health insurance for tourist visa in usa is important. |
You need to select a policy that aligns with the intended length of your stay if not you need to extended the policy or need to buy new policy. |
| flight US citizens traveling outside USA |
| Travel Medical Insurance |
Focus on the health of the traveler |
No coverage for the vacation related expenses. |
| Trip cancellation insurance |
Designed to cover the entire cost of the trip |
Coverage also vacation related expenses. Higher cost than travel medical insurance. |
| sports_baseball Adventure sports
|
| Some travel medical insurance plans offer adventure sports coverage for activities such as bungee jumping, skydiving, or wildlife safaris |
These plans involve a high level of risk these can be covered |
- |
Reliability: A.M Rating evaluates the financial stability and reliability of the insurance company.
Benefit Period: The greater the benefit period the better the coverage.
Deductible: Deductible is what the customer pays before the insurer pays anything.
Coinsurance: Coinsurance is the what the customer should pay for any given expense after paying the deductible. The Co-insurance is typically a percentage of the bill (20%, 25 % etc…)
Coverage types
- Per period of coverage - Amount of benefit applies to claims throughout policy period
- Per injury - Benefit amount applies to individual sickness or injury.
Coverage regions
- Including USA - These plan provide coverage in USA
- Excluding USA - Coverage extends outside the USA
- Including USA, Canada and Mexico - Coverage is in USA, Canada and Mexico
Coverage duration
- Longer duration for Expatriates - Plans purchased for longer duration are little expensive
- Shorter duration for vacationers (travel health insurance and trip cancellation plans) - Plans purchased for shorter duration are cheaper
Compare and Find the Best Visitors Insurance USA
Find the best USA visitor insurance cover for your needs.
Select the visitor insurance in USA plans that you want to compare
Review international travel medical insurance plans
What is The Best US Visitors Insurance With Pe-existing Conditions Coverage?
The best US visitors insurance with pre-existing conditions coverage is listed here:
1
INF Elite Plans Insurance
Are designed for travelers who need coverage for full pre-existing medical conditions up to age 99 years. INF Elite plans are comprehensive plans available for people traveling to the US and provide flexible coverage. Minimum Purchase of 90 days is required on the plans.
2
Atlas America Insurance
Is a comprehensive visitor insurance for acute on set of pre-existing conditions that covers Non-US citizens and Non-US residents while visiting the US up to age 79 years.
3
Safe Travels USA Comprehensive Insurance
offers coverage for acute on set of pre-existing conditions up to 89 years. For persons under 70 covers medical treatment to policy maximum (cardiac-related treatment up to $25,000). For persons above 70 Acute Onset benefits is reduced to a maximum of $35,000 (cardiac-related treatment up to $15,000).
4
Patriot America Plus Insurance
is Comprehensive travel insurance covers acute on set of pre-existing conditions up to chosen maximum limit aged up to 70 years. This plan is available for Non US citizens travelling to the USA and US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while. Plan is suitable for Green Card holders as long as they reside outside the US.
5
Visitors Protect Insurance
is Comprehensive visitor medical insurance offers pre-existing conditions up to age 99 years. Minimum Purchase of 90 days is required on the plan. It is an affordable plan for visitors visiting the US.
6
Safe Travels USA Insurance
is a cheap travel medical insurance plan that covers sudden, unexpected recurrence of a Pre-existing Condition for Non-US Citizens and Non-US Residents while visiting the USA up to 89 years..
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Summary:
The web page provides a comprehensive guide to finding reliable travel insurance for visitors to the USA, emphasizing the importance of choosing a plan that fits your travel needs, budget, and personal health situation. It highlights the need to compare coverage, limits, exclusions, and prices across different providers, and stresses early purchase for broader coverage, especially for pre-existing conditions.
- Reliable travel insurance for the USA depends on your trip type, duration, and health needs, especially if you have pre-existing conditions.
- It’s important to compare policies on coverage limits, exclusions, benefits (medical expenses, trip interruption, baggage loss, evacuation) and to carefully read the fine print.
- Buying early (soon after booking your trip) is advised, especially if you want pre-existing condition coverage or trip-cancellation benefits.
- “Reliable” U.S. visitor travel insurance depends heavily on your travel profile (age, duration, health status, visa type) as well as budget.
- Compare plans for coverage options (fixed vs comprehensive), limits, and exclusions, since no single plan fits every visitor’s situation.
- Fixed benefit plans are inexpensive but offer limited coverage for specific ailments—best for minor issues. Comprehensive plans cost more but provide broader medical coverage, including for serious emergencies.
- Plans also differ by visa type (J1, F1/F2, Schengen), coverage area (USA only, worldwide), trip length, and eligibility for renewals or extensions.
- Insurance for US visitors is expensive due to high healthcare costs in the USA, and buying early helps ensure better protection.
