Visitor Insurance also popularly known as Travel Medical Insurance provides coverage for any unexpected sickness and injury while traveling outside their home country. 2020 will definitely be known for the least number of people or almost none during the earlier part of the year who travelled around the world.
With the arrival of the global pandemic Covid-19, the travel industry especially among many other industries has experienced great fall off in their business. However, the later part of the year has shown a good progress in travel, where we see people coming back to their home country after extending their stay wherever they visited or just going outside their home country to visit their family.
In the post covid pandemic world, one of the most important requirement with the travel insurance is coverage for Covid-19. Initially during the early days of the pandemic, in March–April 2020, many travel insurance companies ceased coverage for COVID-19 due to strict travel restrictions imposed between countries and guidance from the World Health Organization. With the introduction of the vaccine drives travel has slowly restarted.
However traveling during the pandemic is very risky when there is various mutation of the SAR’s virus. The new Omicron and Delta variants are considered to be more infectious. Travelers including a travel insurance cover with covid19cover need not worry about getting coverage of mutated variants. Irrespective of the variant covid19cover will provide visitors with the cover if contracted the illness.
After the month of June, 2020 many US insurance companies such as International medical Group (IMG), Trawick International, Global Underwriters, Seven Corners, WorldTrips, Travel Insurance Services and INF offer travel insurance with coverage for Covid-19. covid19will be covered by the plans only if they were not already infected with the virus before the plan became effective. Some insurance companies have specified to the customers regarding the pre certification that need to be done for covid19 testing before getting insured. Apart from this important requirement, the other benefits that normally a visitor insurance would cover are acute onset of pre existing conditions, emergency medical evacuation, repatriation, coverage for unexpected incidents like sickness and injuries and much more.
Travel Insurance plans are broadly categorized as Comprehensive and Fixed benefit visitor insurance. American Visitor Insurance brings to you insurance plans with excellent rated companies with great benefits which normally a visitor looks forward to have. Customers can get instant quote for the plans and compare between the plans that cover covid19and other benefits easily by using the Visitor medical insurance compare Facility. You can fill the form by entering details like policy maximum, deductible, duration, citizenship country, destination country and age .
Comprehensive visitor insurance plans are slightly expensive when compared to the Fixed benefit visitors insurance plans. However, comprehensive visitor insurance USA plans are most preferred for their flexibility in coverage. Fixed benefit visitor insurance plans work for minor medical expenses but not for major medical expenses. The difference between Fixed and Comprehensive plans have been elaborated in the website with a real example to understand how it works.
Senior citizen travelers or parents who would be looking for specific parents travel insurance coverage for their age group can buy senior citizen travel insurance plans designed by insurers for those who are above 70. We have categorised the visitor medical insurance plans based on different age groups as: seniors above 60 years, seniors above 70 years, seniors above 80 years.
Under senior citizen visitor travel insurance plans those who are between 70 to 79 years can get maximum sum of $100,000 coverage with comprehensive benefits. Elderly travelers who are entering their 80's will get coverage with $20,000 maximum medical benefits. Parents or grandparents coming to the USA can review these plans and buy online as per their individual age and coverage requirements.
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.
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.
Understand the differences between comprehensive and fixed benefit plans.
Healthcare in the U.S. is extremely expensive, and without good travel health insurance, even a simple doctor’s visit can become a financial burden. In 2025, the cost of travel health insurance for visitors to the US ranges between $19 to $172 per month, depending on the age, the insurance company, the type of visitors insurance, the coverage limits, and whether you want coverage for pre-existing conditions. If you are looking for a cheap option, some plans cost as little as $1 to $5 per day, making it an affordable way to stay covered.
Why is travel insurance USA is so important? A routine doctor’s visit can cost between $250 to $350, while a heart attack will leave you with a bill of at least $25,000. If you need to stay in the ICU after a stroke, the cost can exceed $150,000. Even something as routine as an echocardiogram ranges from $1,500 to $4,000, depending on where you get it. Emergency treatments for conditions like diabetes complications cost anywhere from $3,500 to $7,000, and if you need treatment for kidney failure, expect to pay 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 factors such as age, coverage limits, deductible, and optional add-ons. Higher-tier plans with extensive coverage, including pre-existing condition benefits and lower deductibles, tend to be more expensive. On average, a good comprehensive health insurance plan costs $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 Comprehensive | $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 |
Review US visitor insurance plan benefits.
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!
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Here is the list of best travel insurance for visitors to USA, available at affordable prices on American Visitor Insurance.
or United HealthCare 
Policy maximum?
$50,000 to $1,000,000
Deductible options?
$0 to $2,500
Period of coverage?
5 days to 12 months
Policy maximum?
$50,000 and $100,000
Deductible options?
$0 to $5,000
Period of coverage?
Up to 364 days
Policy maximum?
$50,000 and $100,000
Deductible options?
$0 to $5,000
Period of coverage?
5 days to 364 days
or Unitedhealthcare Policy maximum?
$50,000 and $250,000
Deductible options?
$250 to $5,000
Period of coverage?
Minimum purchase 90 days
Policy maximum?
$100,000 and $1,000,000
Deductible options?
$250 to $5,000
Period of coverage?
10 days to 364 days
Policy maximum?
$50,000 and $100,000
Deductible options?
$0 to $5,000
Period of coverage?
5 days to 12 months
There are many visitor health insurance plans for coverage in the USA offered by US insurance providers. Given the several US visitor insurance options, it can be confusing to find the best health insurance for travel to USA for your needs. What is very useful in making this decision is to compare travel insurance USA of different companies.
The US travel insurance comparison allows travelers compare prices as well as coverage benefits in an objective manner. The traveler can change relevant factors like the medical maximum coverage required, the US traveler insurance deductible, any US travel health insurance plans with coverage for pre-existing ailments, travel insurance USA coverage for Covid19.
The global travel insurance comparison also allows travelers to buy the best travel insurance based on ones needs by completing an online application and paying using a credt card. One completing the purchase the travel insurance plan is emailed to the customer.
Visitor 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 Visitors 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. International travelers are urged to buy visitor insurance USA to have a safe sojourn outside their home country.
Yes, international tourists can and should buy visitors health insurance in USA. Given the high cost of US healthcare, it is very risky to travel to the US without the best visitors insurance for usa for visitors.
International tourists can compare different visitor insurance plans online and then buy travel insurance for USA Visitors to get coverage as early as the following day.
Purchasing medical insurance for travelling to the US is not mandatory, however it's best to get a travel medical insurance. Healthcare in the US is very expensive and if there is need for hospitalization travelers may end up in a huge financial loss. An adequate US travel insurance plan will provide coverage for medical expenses incurred in case of any injury or illness especially during the pandemic.
Yes, one can travel to the USA without travel insurance, however this is very risky given the high cost of US healthcare services.One can easily buy travel insurance for USA online by comparing available popular options on American Visitor Insurance.
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