United Healthcare Travel Insurance for Visitors to the USA
Get quality healthcare at top U.S. hospitals through the UnitedHealthcare PPO network. Compare affordable visitor insurance plans with extensive medical and emergency coverage.
Choose Your Plan Based on Your Situation
Prioritize full pre-existing coverage - INF Elite X or Visitors Protect cover pre-existing conditions up to age 99.
Visit USA or Patriot America Plus start lowest per month and cover 5-364 days.
Choose an extendable plan - Patriot America Plus, INF Elite X, Atlas America, and Travel Medical Choice all allow extension.
Pick a refundable plan (Patriot America Plus, Atlas America, Travel Medical Choice) to recover premium if unused.
Atlas America offers the highest ceiling on this page - up to $2,000,000.
How the UnitedHealthcare PPO Network Works for Visitor Insurance Plans?
Many visitors traveling to the USA face extremely high medical costs in the event of a medical emergency. By purchasing a travel medical insurance that utilizes the UnitedHealthcare (UHC) PPO network, you can get high-quality healthcare, receive negotiated-care pricing, and avoid unexpected out-of-pocket expenses.
United Healthcare travel medical insurance is designed for non-U.S. residents traveling to the USA. These plans can help cover expenses related to
- Unexpected medical emergencies
- Accidents and injuries
- Hospitalization, Medical Evacuation, or Doctor’s visits
This makes medical treatment during your U.S. visit faster, easier, and more affordable.
About UnitedHealthcare PPO Network (UHC)
UnitedHealthcare, established in 1977, is a top U.S health insurance provider known for its extensive PPO network. With thousands of participating hospitals, urgent care centers, and specialists in all 50 states, UHC ensures that travelers will access to quality and dependable healthcare anywhere in the United States. Even though the United health care travel insurance is a domestic insurance provider, some of the insurance plans that we offer use the United Healthcare Network.
Why Choose a UHC Travel Insurance Plan?
Selecting a United Healthcare travel medical insurance plan offers multiple benefits and peace of mind while traveling in the U.S. United Healthcare is recognized as one of the top health insurance brands in America because of their extensive network of providers, and high-rated customer service.
- Access to 1.3+ million trusted healthcare providers nationwide
- Discounted rates for covered services and hospital visits
- Cashless treatment: Direct billing between providers and insurers
- Faster claims and minimal paperwork
- Quality treatment with experienced medical professionals
- Any accident, injury, & medical emergencies are covered
- Flexible policy durations (5 days to 1 year)
- 24x7 multilingual assistance
These benefits make UHC visitor insurance plans a popular choice for travelers coming to the U.S. This means you can focus on your recovery rather than worrying about unexpected bills.
Top Reasons to Buy UnitedHealthcare Travel Insurance PPO
Factors for Travel Insurance USA Online
Access to top hospitals and doctors - thousands of participating hospitals, specialists and clinics throughout all 50 states, with in-network care at lower out-of-pocket cost.
Pre-negotiated rates
UHC PPO plans have pre-negotiated rates for medical care, so you pay less for doctor visits, hospital stays, or other treatment compared to out-of-network care.
Emergency & hospitalization coverage
Fast access to appropriate hospitals and doctors is crucial in an emergency. UHC PPO plans cover hospitalization, ER visits, urgent care and other medically necessary treatment.
Direct billing convenience
Direct billing at in-network providers means you won't have to pay large medical bills upfront - a seamless experience so you can focus on recovering.
What Are the Key Features of United Healthcare Insurance for Visitors?
UnitedHealthcare visitor insurance plans offer extensive medical coverage, including:
Coverage for hospitalization, surgery, doctor visits, prescription medications, and other medical treatments.
Coverage for emergency transportation to the nearest suitable medical facility or back to the visitor's home country if necessary.
Coverage for the cost of returning the visitor's remains to their home country in case of death.
Coverage for unexpected trip interruptions due to medical emergencies.
Coverage in the event of accidental death or serious injury resulting in dismemberment.
Limited coverage for acute onset of pre-existing conditions, depending on the plan.
Access to a 24/7 assistance hotline for medical, travel, and concierge services.
To find the most suitable plan, it's essential to compare different options based on coverage limits, exclusions, deductibles, and premiums. At American Visitor Insurance, travelers can compare and find the best UnitedHealthcare visitor health insurance.
Travel Insurance Providers Using the UHC Network
International Medical Group (IMG) - United Healthcare For Visitors to USA
International Medical Group (IMG) is one of the top US travel insurance providers. IMG uses United Healthcare network as their preferred provider.
If you purchase any travel insurance from IMG with a United Healthcare logo on your insurance card:
Inform them: “My healthcare coverage uses the United Healthcare Network.”
WorldTrips - United Healthcare Visitor Insurance
WorldTrips offers a variety of customizable, budget-friendly travel medical insurance plans. WorldTrips also uses the UnitedHealthcare (UHC) Network in their provider network.
If you purchase any travel insurance from WorldTrips with a United Healthcare logo on your insurance card:
Inform them: “My healthcare coverage uses the United Healthcare Network.”
NOTE: If you're a member of an Atlas Group insurance plan, please refer to your ID card to find your provider information.
Sign in to the portal, click "Policy Information" in the navigation menu, and then click the box labeled "Download Insurance ID Card.". For assistance with your ID card, visit Understanding Your ID Card
.
Seven Corners - United Health Care Travel Insurance
Seven Corners is one of the insurance providers whose visitor insurance plans we offer. Seven Corners uses different network of healthcare providers including United Healthcare.
If you purchase a Seven Corners insurance plan with a United Healtcare logo on your insurance card:
Inform them: “My healthcare coverage uses the United Healthcare Network and I found your name on the directory.”
INF - United HealthCare Network
INF is one of the top providers for any international travelers visiting the United States, Mexico and Canada.
INF travel insurance uses the United Healthcare PPO network for direct billing
If you purchase a INF insurance plan with a United Healtcare logo on your insurance card:
Inform them: “My healthcare coverage uses the United Healthcare Network and I found your name on the directory.”
Travel Insure - United Health Care Travel Insurance
Travel insurance services offer financial protection and support for unexpected events during travel. They cover various travel risks and include UnitedHealthcare network for quality medical care worldwide.
If you purchase a Travel Insure insurance plan with a United Healtcare logo on your insurance card:
Inform them: “My healthcare coverage uses the United Healthcare Network.”
What Should You Say?
When calling your medical provider or presenting your ID card
“My health care coverage uses the United Healthcare Network, and I found your name on the directory."
Do Not Say
I have American Visitor Insurance
Providers WILL NOT recognize this language, and your coverage may not be accepted.
Best Visitor Insurance With UHC PPO Access
Every column below appears on a single scannable table - underwriter rating and extend/refund status included.
| Plan | Patriot America Plus | INF Elite X | Atlas America | Travel Medical Choice | Visit USA |
|---|---|---|---|---|---|
| Provider | IMG | INF | WorldTrips | Seven Corners | Travel Insure |
| Underwriter rating | verified AM Best "A-" | verified AM Best "A-" | verified AM Best "A" | verified AM Best "A-" | verified AM Best "A-" |
| Policy maximum | $50,000-$1,000,000 | $150,000-$1,000,000 | $50,000-$2,000,000 | $50,000-$1,000,000 | Up to $250,000 |
| Coinsurance (in-network) | 100% after deductible | 80% after deductible | 100% after deductible | 100% after deductible | 100% after deductible |
| Pre-existing (acute onset) | To policy max, ages ≤70 | Full coverage, ages ≤99 | To policy max, ages ≤79 | To policy max, ages ≤79 | Up to $25,000 (65+: $2,500) |
| Medical evacuation | Up to $1,000,000 | Up to $25,000 | Up to $1,000,000 | Up to $500,000 | Up to $500,000 |
| Urgent care copay | $30/incident | $50 copay | $15/incident | $20 copay | $50 (waived at $0 ded.) |
| Repatriation of remains | To policy max | Up to $20,000 | To elected max | Up to $50,000 | To overall max |
| Coverage period | 5-364 days, renewable 24 mo. | 5-364 days | 5-364 days | 5-364 days | 5-364 days |
| Extendable | check Yes | check Yes | check Yes | check Yes | close No |
| Refundable if unused | check Yes | close No | check Yes | check Yes | close No |
| Starting price | $50 age 20 · $50,000 max |
$445 age 20 · 3 months · $1,50,000 max |
$50 age 20 · $50,000 max |
$94 age 20 · $50,000 max |
$28/month varies by age |
| Sample ID card / brochure | View PDF ↓ | View PDF ↓ | View PDF ↓ | View PDF ↓ | View PDF ↓ |
| Get Quote | Get Quote | Get Quote | Get Quote | Get Quote |
What Makes UHC Visitor Insurance Different?
| Feature | UHC Visitor Insurance | Standard Visitor Insurance |
|---|---|---|
| Network Size | 1.3M+ UHC PPO hospitals | Limited network or none |
| Cashless Claims | Yes (within PPO network) | Usually reimbursement model |
| Direct Billing | Supported | Often unavailable |
| Coverage Limit Options | $50,000 - $1,000,000 | $50,000 - $250,000 typical |
| Claim Speed | 7-15 days average | 3-4 weeks typical |
| Add-ons | Emergency evacuation, repatriation, trip interruption | Often optional or excluded |
Compare United Healthcare Visitor Insurance
There are several other reputed insurance providers who provide united healthcare short term insurance for visitors to USA. You can compare UHC travel insurance of all the providers using our quote compare tool.
- Easy-to-use compare tool for two or more plans
- Check provider networks directly in the tool
- Buy the best plan online without any paperwork
- Coverage can begin as early as the next day
The united healthcare international insurance for USA coverage can start as early as the following day, or at any later date when the travel begins.
Compare UHC Travel Insurance Plans »What Are the Best Visitor Insurance with UnitedHealthcare PPO network?
Some of the US visitor insurance plans with United Healthcare as the PPO network are Patriot America Plus, Atlas America, Travel Medical Choice, INF Elite X, and Visit USA. These plans provide medical coverage, access to the UHC PPO network, and protection for pre-existing conditions, making them ideal for non-U.S. citizens traveling to the U.S.
Patriot America Plus is an affordable visitor insurance plan providing coverage for accidents, sudden illnesses, and acute onset of pre-existing conditions, with access to the UnitedHealthcare PPO network.
INF Elite X insurance is a high-coverage plan for visitors up to 99 years old, offering full pre-existing condition coverage, broad medical services, and access to the UnitedHealthcare PPO network.
Patriot America Plus is an affordable visitor insurance plan providing coverage for accidents, sudden illnesses, and acute onset of pre-existing conditions, with access to the UnitedHealthcare PPO network.
Travel Medical Choice is a flexible plan for short- or long-term visitors, covering medical emergencies, accidents, and acute onset of pre-existing conditions, with UnitedHealthcare PPO network access.
Visit USA insurance is a simple, reliable plan for short-term tourists, parents covering medical emergencies, hospitalization, and acute onset of pre-existing conditions, with access to UHC PPO providers
Does My UnitedHealthcare Insurance Cover Me Internationally?
If you already have a UnitedHealthcare health plan in the U.S., including a Medicare Advantage plan, it is important to understand that coverage outside the United States is often limited and varies by plan. Medicare generally does not cover medical care received outside the U.S., and many domestic health insurance plans provide little or no coverage for international travel.
For visitors traveling to the United States, American Visitor Insurance offers several visitor insurance plans from insurers such as IMG, WorldTrips, Seven Corners, INF and Travel Insurance Services provide access to the UnitedHealthcare PPO network. While these plans are not issued by UnitedHealthcare, they allow eligible travelers to use doctors and hospitals within the UnitedHealthcare PPO network for covered medical expenses during their stay in the USA.
What Are the Best Visitor Insurance with UnitedHealthcare PPO network for Pre-Existing Condition Coverage?
INF Elite X, Premier X, Visitors Protect, Patriot America Plus, Atlas America and Travel Medical Choice are top UnitedHealthcare visitor insurance plans for travelers with pre-existing conditions. They offer acute onset or full pre-existing coverage, comprehensive medical benefits, flexible deductibles, and access to the UHC PPO network for nationwide care.
- For ages 0 - 69, pre-existing condition coverage ranges from $25,000 to $50,000
- For ages 70 - 99, up to $20,000
- Deductibles from $1,500 to $10,000
- For ages 0 - 69, pre-existing condition coverage ranges from 20,000 to $200,000
- For ages 70 - 99, up to $25,000
- Deductibles from $1,000 or $5,000
- For travelers under 70, coverage is up to $25,000
- For travelers aged 70 and above, benefits are up to $20,000 with a $1,500 deductible
What Are the Top Reasons to Buy UnitedHealthcare Travel Insurance PPO?
Wide Network of Providers
Access to Top Hospitals and Doctors UnitedHealthcare is among the largest and most respected healthcare networks in the U.S, with thousands of hospitals, specialists, and clinics available throughout the country. Visitors with a UHC PPO plan can utilize in-network providers to receive quality medical care with lower out-of-pocket costs.
Pre-Negotiated Rates to Reduce Expenses
United health travel insurance PPO plans have pre-negotiated rates for medical care. This means visitors will pay less - whether for a doctor visit, hospital stay, or other treatment, compared to out of the network care.
Coverage for Emergencies and Hospitalization
In a medical emergency, being able to quickly access appropriate hospitals and doctors is crucial. UHC travel insurance PPO plans include coverage for hospitalization, emergency room visits, urgent care and a variety of other medically necessary treatment, giving visitors peace of mind while care is provided during the time spent in the U.S.
Direct Billing for Convenience
Direct billing is often available at in-network providers, which means travelers will not have to pay out large medical bills upfront. This provides a seamless experience for the treatment, allowing visitors to focus on recovering instead of dealing with reimbursement processes.
How to Purchase and Use UnitedHealthcare Travel Insurance?
Quick and Easy Online Enrollment
Enroll in your united healthcare international coverage plan in a few minutes through American Visitor Insurance. You will need to provide basic details such as a name, date of birth, travel dates, and payment details. Once issued, you will receive an email with your UHC insurance card.
Finding a Doctor in the UHC PPO Network
You can use UHC's extensive PPO network to find in-network doctors, specialists, urgent care facilities, and hospitals. You can search the UnitedHealthcare online provider directory or call our customer support team at (877)-340-7910 for assistance with finding an in-network provider nearby. Visiting in-network providers means lower medical costs and less paperwork.
Getting Reimbursement for Claims
Many in-network facilities will bill UHC directly when you visit an in-network provider. If you see a provider outside of the network or one that does not bill UHC, you will need to pay for the visit before being reimbursed.
If you have to pay for a visit, you can easily file your claims and get reimbursed online. Always keep your receipts and medical records, as you will need to submit them for claims.
American Visitor Insurance offers 24/7 support to help with claims, questions, while utilizing your united health care travel insurance plan!
Visitor medical insurance claims »Have Questions?
Need help understanding your policy?
Our Customer Service team is available 24x7, putting your needs first every step of the way.
How Visitor Insurance Billing Works with UnitedHealthcare PPO?
Understanding how billing works in the UHC PPO network helps visitors to manage healthcare costs and avoid unexpected medical expenses. Here’s a step-by-step guide:
Before receiving any medical care, verify that your provider is in the UHC PPO network. You can:
- Go onto the UHC portal and use the provider lookup tool to find in-network hospitals, clinics, or specialists
- Call the provider directly with your insurance ID card and double check with them the provider is in-network.
This way you know that your services will be billed at a lower in-network rate rather than out-of-network.
Bring a photo ID and your UHC insurance card to the appointment. The provider may:
- Verify your insurance
- Submit the claim directly to UHC
Some providers will require you to pay upfront and you will have to obtain reimbursement later. Every time that you visit, keep any receipts, bills, or doctor's notes to submit with your claim.
UHC will review your claim to ensure:
- Services are covered under your plan
- Provider is in-network
- All co-payments, deductibles, or coinsurance are applied correctly
You’ll receive an explanation of benefits which will outline:
- The total amount billed by the provider
- The negotiated in-network amount
- Your financial responsibility (co-pay, deductible, or coinsurance). Review it carefully and contact UHC if there are discrepancies.
The provider is paid directly for the covered amount as per your plan. They are not allowed to charge you for any costs beyond the plan’s approved coverage.
- You are responsible for paying any co-payments, deductibles, or coinsurance specified in your plan, as well as the costs of any services not covered.
- Make payments directly to the provider when required, based on the information in your Explanation of Benefits.
- If you disagree with the claim processing or payment outcome, contact the insurance administrator.
- You can initiate an appeal or request clarification regarding your claim.
- UHC will review your case based on your plan’s terms and applicable regulations.
- A resolution will be provided to address your concern.
Using this step-by-step guide can simplify your journey with the UHC PPO healthcare system with confidence and reduce the unexpected costs. For assistance, feel free to reach out to American Visitor Insurance Customer Care at (877)-340-7910. Our team is here to help you with questions regarding your policy, claim questions, and how to find in-network providers.
Best Cashless Travel Insurance for USA
When you're traveling to USA, dealing with a sudden medical emergency is traumatic enough. Having Cashless US travel insurance will help you settle these issues without worrying about paying huge bills upfront.
With a cashless US visitor insurance, the insurance company will directly settle the eligible medical expenses with the hospital and you can just focus on getting well while not worrying about the finances.
Find the most reliable, affordable, and widely accepted cashless insurance for travel to USA.
United Healthcare International Insurance - FAQs
If you see an in-network provider, they can submit the claim directly to UnitedHealthcare. If you pay out-of-pocket, keep all receipts and medical records so you can submit a claim online for reimbursement.
For quick assistance, you can contact American Visitor Insurance at 877-340-7910 or email us, and one of our licensed agents will be glad to help you!
UnitedHealthcare will cover emergency medical evacuations to the nearest, appropriate hospital, or for a return to your home country as necessary. All evacuations must be coordinated and approved by UnitedHealthcare for coverage. If you are in this situation, do not hesitate to reach out to UnitedHealthcare to arrange the appropriate care.
PPO stands for Preferred Provider Organization.
It is a type of health insurance network where members have access to a wide variety of doctors, specialists, and hospitals. Here are a few highlights about a PPO network:
- Flexibility: You can see any doctor, but using in-network providers usually costs less.
- Lower out-of-pockets Costs: In-network providers have pre-negotiated rates, reducing your out-of-pocket expenses.
- No Referrals Needed: You do not need a referral from a primary care physician to see the specialist.
- Direct Billing: Many in-network providers can bill the insurance company directly, and you will not have to pay the provider upfront.
For visitors to the USA, United health care visitor insurance plan will provide you with access to quality care at a lower cost through UHC PPO network.
Yes. Visitors, tourists, students, and others can all buy travel health insurance in the US. We recommend the travel insurance for visitors be purchased from the day they leave their home country until they return, however, most companies allow you to purchase it even after the traveler has already started their journey.
The INF plans use the United Healthcare Preferred Provider Organisation (PPO). This means that even if the pre-existing coverage limit is low, customers will still be able to access the full PPO discounts via United Health Care (UHC).
For example : A customer has to go to the Emergency Room (ER) for blood pressure and get a bill of $10,000 and the customer has the INF HOP UltraPlus plan. Although the UltraPlus covers $700 for pre-existing, the customer will get the PPO discount on the bill since it is covered. This in itself can translate to very significant savings such as an 80% discount + $700 paid out. This means your total coverage was $8,700 and out of pocket expense is only $1,300.
Visitor or travel medical insurance is for unexpected medical expenses while on your trip. Many travel insurance for visitors plans also cover baggage loss/ delay, trip delays, and have other benefits to help travelers with unexpected problems (loss of documents, etc). Since they are meant to be used in an emergency, you can use any doctor/hospital. In a non-emergency situation, you should consult your documentation and try to stay in-network (if applicable) while in the US since this will likely help defray your out-of-pocket cost.
Visitor insurance USA is travel insurance that can be purchased for travel in the US and for travel outside one’s home country. Visitors Insurance provides coverage for unexpected health care expenses due to accident or sickness while traveling. Travelers can compare and buy the best US travel insurance plans at American Visitor Insurance.
Often health insurance from a home country will not cover you while you are traveling in a different country. If you are in a country with high medical costs such as the US, Canada, or Japan, you should consider purchasing international travel insurance in case you should need any medical care. The travel insurance for tourists will help defray costs and also often has many travel benefits (trip delay, trip interruption, baggage loss) that will also assist a traveler in getting back on track with their trip.
Does my united healthcare cover international travel? Does uhc cover international travel?
United Healthcare primarily focuses on health insurance within the United States. However, some US insurance providers who focus on international travel insurance also work with United Healthcare for their PPO network while offering different types of travel insurance, including coverage for medical expenses, trip cancellation/interruption, baggage loss, travel delays, and more for international travel.
Like any health insurance policy, United Healthcare visitor travel insurance has some exclusions and limitations that apply to certain situations and conditions. For example, some of the common exclusions are pre-existing medical conditions, elective or cosmetic procedures, war or terrorism, and participation in extreme sports or activities.
United Healthcare PPO network is offered for the following types of international travel insurance plans : International Travel Medical insurance and Travel Protection or trip cancellation insurance plans. The first type covers health care costs, including evacuation, while traveling internationally. The second type covers trip cancellation, interruption, and delay costs while traveling overseas or within the US.
United Healthcare Travel Medical Insurance Reviews
These reviews come from travelers who purchased visitor insurance plans from providers such as IMG, WorldTrips, Travel Insurance Services and INF that offer access to the UnitedHealthcare PPO network.
"I was unlucky enough to fall ill while abroad and filed two claims with IMG. I was very pleased with how easy and straightforward the process was. My claims were processed quickly without unnecessary paperwork, and the representatives were polite and helpful."
"I got a really great deal using WorldTrips VisitorSecure insurance for my son. They found me the best quote within minutes, and it was by far the most competitive option available. Thank you!"
"I had a great experience with INF. They covered a COVID-19 test for my mom when she felt sick shortly after her flight. Thankfully she tested negative. I was very happy with the overall service and the cashless claims process, and I gladly recommend INF to friends and family."
Resourceful Tourist Health Insurance USA Information
Guide to buying the best international travel insurance for USA.
Learn More →Tourists, Cruises, Students, J1 visa, OPT status, Immigrants...
Learn More →Resourceful Tourist Health Insurance USA Information
Compare UnitedHealthcare Visitor Insurance
Compare UnitedHealthcare visitor insurance options to find the right coverage.
Which Are the Best Travel Insurance Companies in USA?
You can find reliable U.S. travel insurance providers through American Visitor Insurance, including International Medical Group (IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insurance Services, Trawick International, and INF Insurance.