Cheap travel insurance USA

Compare and buy travel insurance

Age & Citizenship
Child
Residence
Destination
Start date
End date

Cheap USA travel insurance

Do we need travel insurance for USA?

Travel insurance for USA is not mandatory but is highly recommended. It is essential to have travel medical insurance to cover medical emergencies, trip cancellations, lost or delayed luggage, and other unforeseen events during your trip to USA.

How much does affordable travel insurance cost?

The cost of affordable travel insurance usually ranges from $30 to $400 per person for short-term trips, depending on several factors such as age, destination, trip duration, and the coverage level. Short trips (a few days to a couple of weeks) will cost less, whereas longer trips (6 months or more) increase the cost. A week-long trip may cost between $30 to $90 for basic medical coverage, while a month-long trip might range from $120 to $250.

The older you are, the more expensive the coverage, as older travelers are considered at higher risk for health issues. Traveling to countries with higher healthcare costs like the U.S., Europe.. will result in higher premiums compared to countries with more affordable medical care. Most plans offer coverage for medical expenses ranging from $50,000 to $500,000. The higher the coverage limit, the more expensive will be the premium. Medical evacuation coverage (which can cost tens of thousands) can also increase the premium. Pre-existing medical conditions coverage will have higher premium with few terms and conditions

How to buy low cost travel insurance?

  • Complete the inexpensive travel insurance quote request form by providing details of the traveller and insurance requirements.
  • Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.
  • Purchase the plan that fits your needs and budget best by using a credit card and completing the online application.
  • Review the travel insurance documents received by email closely for coverage details and relevant contact numbers

Cheapest travel insurance for USA

There are many cheap travel insurance to USA plans in the travel health insurance market today. These cheaper travel insurance plans are broadly classified as Fixed or Limit benefit plans and Comprehensive plans. Travelers can compare between fixed benefit and comprehensive insurance plans.

Fixed benefit insurance plans are cheaper travel insurance options when compared to the comprehensive plans. However, these budget travel insurance to America plans might work for minor medical issues but may be only partly effective in catastrophic situations due to their limited benefits.

Trip insurance coverage usa

But there are specific situations where customers may be advised to buy travel insurance cheap with a good fixed benefits plan. This can be true for people who are older than 89.

How much does visitors health insurance USA cost?*

The cost for best travel insurance for USA visitors has reduced disposal income with a major portion of the income going to health care deductibles, co-payments and co-insurance. The cost of a routine physician's visit is on average as high as $176. An echocardiogram can cost around $1,000 in Massachusetts and around $3,000 in New Jersey depending on the provider. The cost of common ailments like Diabetes Mellitus with Hyperglycemia admitted to an emergency room would cost around $2,500 -$5,000. 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.

While there's no simple explanation for the high costs, an important contributing factor is the high administrative expenses in healthcare and given the litigious nature of US society, the cost of medical-malpractice legal expenses. Employing numerous billing clerks by both hospitals and physicians, as well as by private insurance companies is a requirement in the US insurance system. In addition to that, the system's reliance on advanced technology, costly labor and the steep price of malpractice insurance in the US also contributes to the overall expenses.

Given the fact of high health care cost, one simply cannot afford to be uninsured while visiting the US. Another important point to note is that in US hospitals the cost for any treatment is much lower if you have insurance and the hospital is part of the PPO network when compared to getting the same treatment without any insurance. This is beyond the actual insurance coverage itself, so simply having visitors insurance reduces the bill substantially. For all these reasons, it is vital for visitors to buy travel health insurance while visiting the US.

The visitor health insurance cost or the cost for the best travel insurance for USA visitors ranges from $16 to $150 a month. The price varies based on the age of the visitor, medical maximum coverage, deductible for the plan, visitors coverage type (Fixed vs comprehensive coverage), and the visitors insurance coverage for pre-existing conditions. For an average traveler, there are cheap travel insurance plans at less than a dollar a day.

What is the best travel insurance for USA visitors 2024?

Average cost of medical insurance for travelers to USA

Factors to buy best and cheapest travel insurance to USA

Let us see how we find cheaper travel insurance by tweaking the other factors involved while buying the cheapest travel insurance policy, other than going a fixed benefit plan option.

Medical maximum coverage

Travelers can vary the medical maximum coverage. The medical maximum coverage options start as low as $25,000 onwards (it goes as low as $10,000 for older travelers). The lower the medical maximum coverage chosen, the lower will be the premium cost. Travelers should be aware of any minimum coverage requirements and buy their travel insurance plan accordingly. One example is the required minimum of Euro 30,000 while applying for the Schengen visa to travel to Europe.

Deductible

Selecting a high deductible is one of the ways where the cost of the premium can be cut down. Comprehensive international travel medical insurance which are the most recommended and desirable plans are usually policy period plans, where the deductible is applicable only once during the certificate period of the plan and after that the customer is not required to satisfy the deductible value.

Sometimes paying high deductible is useful if the plan needs you to pay only the co pay and waive the deductible.

Visitor insurance Cancellation and refund policy

In case you change your travel plans and do not travel, you can save money by cancelling a plan before the effective date of the plan and get a full refund with a small cancellation fee. Travel insurance plan can also be cancelled after the effective date, but a pro rated refund or unused portion of the premium will be refunded.

Renewal of travel insurance policies

It is important to remember the expiration of the international travel health insurance policy that has been purchased. Normally, insurance companies send a renewal reminder email to the customer's email ID when the expiration date of the plan is getting close. Look for a renewable plan while purchasing the insurance.

If the customer is not sure of the duration that the plan is needed, the purchase can always be done for a short duration and the plan can be renewed/extended later if needed. There will be a $5 renewal fee. Sometimes some of the plans may not charge anything if the renewal is done for a month or more.

A plan can be renewed regardless of any claim status during the previous certificate period. It is important to make sure that the plan to purchase has this provision. The advantage of renewing vs repurchasing is any previous claims for any sickness/injury will not be treated as a pre-existing condition when the plan is renewed. With buying the plan again, it will be treated as a pre-existing condition. Any new changes to the plan will also apply when the plan is newly purchased which is not true with renewing.

An international travel insurance plan is bought for unexpected incidents like sickness/injuries. This decision has to be made with complete understanding of the plan that is being purchased and knowing the coverage available with the plan to suit the customer's requirements. Reviewing the plan details on American Visitor Insurance and in the travel insurance plan brochure and talking to a licensed insurance producer if needed to get clarity either over phone or email before purchasing the plan is a very important to get sufficient coverage and choose the right plan at an affordable price.

Pre-existing conditions international travel insurance

Older international travelers and travellers with existing medical ailments should be aware of their international travel insurance coverage for pre-existing conditions. Not all international travel insurance options cover pre-existing conditions, and it is important to be well informed about the coverage for existing medical ailments. International travellers can compare international travel insurance for pre-existing conditions based on pre-existing condition coverage as well as on their prices.

Get quote

Cheap travel insurance international - FAQ's

1. 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.

2. What is the best cheap travel insurance?

There are several travel insurance options available. The biggest factor determining the cost of travel insurance is whether the plan is a fixed benefits plan or a comprehensive travel insurance plan. Fixed benefits travel insurance have very clearly defined coverages with specific limits for different medical conditions.

The cheapest US travel insurance plan will be a fixed benefits plan. Beyond buying a fixed benefits plan, you can get the cheapest price by increasing the deductible and lowering the medical maximum coverage. However travelers should note that buying a cheap travel insurance comes with corresponding constraints on the coverage.

3. When should you buy travel insurance?

It is ideal to buy travel insurance once your travel dates are confirmed. Buying the travel insurance before you start the journey will help in ensuring that your travel will also to be covered by the insurance.

However, it is also possible to buy travel insurance after your journey has started, but some companies have limitations on how long after the travel start date one can buy the travel insurance.

4. How to buy travel insurance? How to find the best international travel health insurance?

There are many international travel health insurance plans for coverage both in the USA as well as around the world offered by US insurance providers. Given the several travel insurance international options, it can be confusing to find the best health insurance for international travel for your needs.

What is very useful in making this decision is to compare travel insurance USA of different companies. The travel insurance comparison allows travelers compare prices and coverage benefits in an objective manner. The traveler can change relevant factors like the medical maximum coverage required, deductible, any international travel health insurance plans with coverage for pre-existing ailments.

The global travel insurance comparison also allows travelers to buy the best affordable travel insurance based on ones needs by completing an online application and paying using a credit card. One completing the purchase the travel insurance plan is emailed to the customer.

5. What does the cheapest travel insurance cover?

The cheapest travel health insurance generally provides coverage for basic medical needs while traveling. It’s designed to handle emergencies but often excludes more comprehensive benefits namely:

  • It covers costs for doctor visits, hospital stays, and treatment for injuries or sudden illnesses while traveling.
  • Emergency medical evacuation which includes transportation to the nearest adequate medical facility if travelers are seriously ill or injured.
  • Repatriation of remains covers costs associated with transporting your remains back to your home country if you pass away during your trip.

Most cheap travel health insurance plans do not cover pre-existing conditions unless specified. Adventure sports (like skiing or scuba diving) may not be covered unless you purchase a specialized plan. Cheap travel health insurance focus only on medical care and typically don’t cover non-medical issues like trip cancellations. Cheap travel medical insurance covers emergency medical and evacuation services, making it a good option for travelers mainly concerned with unforeseen health issues.

5. What are common travel insurance add-ons?

When purchasing travel insurance, you can enhance your policy with several add-ons to ensure more comprehensive coverage, especially if you have specific medical or travel needs.

  • Pre-existing Condition Rider: This add-on ensures that medical conditions you had before purchasing the policy are covered if you meet specific requirements (usually purchasing insurance soon after booking the trip, often within 10-14 days).
  • Medical Evacuation and Repatriation Rider: Expands coverage for emergency medical evacuations, ensuring transportation to a medical facility that can provide proper treatment or repatriation back to your home country if necessary. Particularly important for travelers visiting remote or underdeveloped areas where local medical facilities might not be adequate.
  • Adventure or Extreme Sports Rider: Extends coverage for injuries or accidents that occur while participating in high-risk activities like skiing, snowboarding, scuba diving, skydiving, or other adventure sports. It is Crucial for adventurous travelers engaging in sports that are typically excluded from standard travel medical policies.
  • Accidental Death & Dismemberment (AD&D) Rider: Provides a lump sum payout if you suffer a fatal accident or lose a limb, eyesight, or other vital functions during your trip. Offers additional financial protection in case of serious injury or death, especially useful for peace of mind while traveling.

These travel medical insurance add-ons can help customize your coverage based on your individual health needs and travel plans, ensuring more comprehensive protection during your trip.

Travel Insurance for US travelers

American traveler insurance including trip cancellation coverage

US citizens are advised to consider purchasing trip protection insurance, particularly when traveling beyond their home state. Travel insurance for US citizens visiting Europe tailored for US vacationers offer coverage that includes the traveler's health and trip expense costs. Coverage benefits typically encompass trip cancellation, delay, Covid quarantine travel insurance, medical evacuation, injury of family member, travel companion or pet, theft of passport, traffic accident, inclement weather resulting in delay or cancellation of common carrier.

Travelers can also include the Cancel for Any reason (CFAR) insurance which gives travelers the option of cancelling their travel and recouping most of their non-refundable trip expenses. This insurance provides coverage in the following ways:
  1. Non refundable cost of the trip.
  2. Unexpected medical expenses of the traveler.
  3. Loss or damage to the insured’s possessions.

Following are the best trip insurance plans:

Best travel insurance coverage for theft gear

American travel insurance coverage for theft gear often include coverage for lost, stolen, or damaged personal belongings, which can include gear such as cameras, laptops, sports equipment, and other valuables. At American Visitor Insurance best travel insurance coverage for theft gear is offered by popular comprehensive plans from top rated insurance providers.

US citizen travel insurance for emergency medical evacuation

Travel insurance for US citizens visiting Europe with emergency medical evacuation coverage is crucial, particularly for those visiting areas with limited medical resources or engaging in high-risk activities. It's a vital feature of many travel insurance policies, providing essential aid and financial support in the event of a serious illness or injury that necessitates transportation to a medical facility or repatriation to the United States. The best travel insurance plans for medical evacuation cover the expenses of transferring you to the closest suitable medical facility when local care is insufficient.

American travel insurance for canceled flight

Flight cancellations can be a significant inconvenience, but having travel insurance can help mitigate the impact. When dealing with a canceled flight, it’s important to know your rights and how to claim compensation or seek reimbursement. Travel insurance can provide coverage for canceled flights, which is particularly useful if you encounter unexpected disruptions during your trip.

Estimate cost table for the trip cancellation insurance for US citizens

Trip insurance cost is based on several factors such as the age, trip length and trip cost. There are cheap trip insurance plans starting at $25 per month.

Plan Name Trip cancellation Cost #
Safe Travels Flex Trawick International 100% of Trip Cost (Up to a Max. of $45,000) $25
Safe Travels Protect Trawick International 100% of Trip Cost (Up to a Max. of $14k) $32
iTravelInsured Travel Lite IMG 100% of Trip Cost $42
Trip Protection Economy Seven Corners 100% of Trip Cost (Up to a Max. of $20k) $43
SafeTravels Armor Trawick International 100% of Trip Cost (Up to a Max. of $15k) $55
Trip Protector Preferred HTH worldwide 100% of Trip Cost (Up to a Max. of $50k) $70
iTravelInsured Travel LX IMG 100% of Trip Cost $106

# Approximate cost of Trip insurance for a 40-year-old traveler, 15 days trip and $1,000 trip cost.

NEED HELP?

Contact our customer service team, we are here to help you!

Is cheap travel insurance worth it?

It is best to get good travel insurance coverage even if it is expensive. However, if one has a limited budget, then it is better to have cheap travel insurance as opposed to having no travel insurance, given the value that this travel insurance provides while traveling in a foreign land.

Visitors insurance for seniors

60

Visitor medical insurance for travelers above 60 years

Know more »
65

Visitor medical insurance for travelers above 65 years

Know more »
70

US Visitors insurance for travelers above 70 years

Know more »
75

Visitor medical insurance for travelers above 75 years

Know more »
80

Visitor health Insurance for travelers above 80 years

Know more »
90

US Visitors insurance for travelers above 90 years

Know more »

Guide for short term travel insurance in USA

Guide for buying travel medical insurance with resourceful information for visitors insurance.

Click here to read more »

Visitors insurance USA - Blogs and Articles

Affordable travel insurance Online
Fixed benefits US travel insurance have specific benefit limits for different covered medical expenses.

Know more »

Best international travel insurance
We also offer international travel insurance plans covering pre-existing conditions which many older travelers look for.

Know more »

Advantages of buying insurance
Advantages of buying US/UK Insurance. Compare and buy US travel insurance.

Know more »

Compare US travel insurance online
Compare quotes online for best travel insurance online, Fixed vs comprehensive travel insurance USA.

Know more »

International travel insurance resources

Compare and buy Cheap international travel insurance USA.

Click here to read more »

List of best visitors insurance companies in USA

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.

List of best visitors insurance companies in USA


Expertise in offering travel insurance
20+ years!

Customers from
All U.S. states!

Customers from over
180 countries!