USA Healthcare cost & need for US visitors medical insurance

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The United States is one of the most popular tourist destinations in the world. The country has seen a significant rise in the arrival of international visitors during the past two decades from around 40 million in 2003 to close to 80 million now. However the healthcare Costs in the USA for Expatriates and Visitors is exorbitant, and it is imperative that visitors are well informed and have the appropriate Health Insurance for Visitors to the US.

International visitors to USA

Following are the different types of visitors to USA, Review the average cost of health insurance for visitors to USA:

visitors to USA insurance
cost of routine

Cost of routine physician visits

While visiting the United States is great fun, being forced to visit an US hospital can be financially traumatic, especially if you do not have proper travel insurance. While the US healthcare system is amongst the best in the world, medical costs for visitors to the USA is very-very expensive. There are chances that a visitor may face a medical emergency and will have to visit a physician. Even a visit to a physician is very expensive in the US when compared to many other countries. In the US it costs $176/ while in countries like Spain the cost is only about $11. Even neighboring Canada it costs only $30. You can review the comparative costs of a routine physician visit in these countries.

Cost of Surgery

  • Just imagine that you face an even more serious medical situation, you might have an accident, have a fall or have a serious heart problem.
  • The average cost of a bypass heart surgery in the US would be $73,420 while that of a knee replacement is $25,637.
  • This price is not something any tourist in the US would like to face while enjoying a holiday.
  • You can compare the cost of these surgeries in other countries like Australia, South Africa, the UK or Argentina.
  • The price is significantly less when compared to the price of surgeries in the US.
Cost of Surgery
Cost of staying in hospital

Cost of staying in hospital

  • Any serious medical treatment would involve a stay in the hospital.
  • For an average of 7 day stay in a US hospital it would cost you $16,000.
  • While 10 days of stay in a hospital in Germany would cost you only $4,000. This is a very huge difference.
  • Bottom line, while the healthcare cost in US is very sophisticated, it is also really expensive.

USA Healthcare travel insurance - FAQ's

What happens if a tourist gets sick in USA ? What happens if a tourist goes to the hospital in the us ? How are tourist emergency hospital bills handled ? What is involved in seeing a Doctor in the US as a tourist ? How is the medical treatment in USA for foreigners handled ?

The above are common concerns of tourists visiting the United States. It is extremely important for US tourists to know that healthcare in the US is very expensive and that most US residents have health insurance to cover their medical expenses. Given this situation, it is important for US tourists to have the best travel insurance for US as they are fully responsible for any medical expenses that they incur in the country. Being forced to get medical treatment in usa without insurance can be financially catastrophic, and the best way to shield oneself from this situation is to buy US travel insurance for the entire duration of one’s visit to the country.

What travel insurance covers the USA?

US Travel insurance plans for coverage can be purchased online at American Visitor Insurance to get a medical and travel insurance cover in the United States. International travel insurance provides coverage for unexpected medical emergencies during the travel period. Travel insurance is particularly important during the Covid19 pandemic for safe travel to the US. American visitor insurance offers customers with some of the best US travel insurance options which can be compared to find the most appropriate product for one’s needs. For more details travelers can call the customer service or email and the team will be glad to help.

What does US travel insurance cover?

A standard US travel insurance plan offers protection for all unexpected travel and medical illness or injury during the trip. Trip cancellation insurance provides coverage for acute onset of pre-existing conditions, medical emergencies, trip cancellation, trip interruption, delays and medical evacuation, lost -damaged, or stolen of the luggage.

Can I still get travel insurance for the USA?

Yes, travelers can buy travel insurance if the traveler has already started a trip. However travelers should keep in mind that the cover is provided for any illness or injury that occurs after the inception of the policy.

Do I need medical insurance to travel to the US?

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.

Can I travel to the USA without travel insurance?

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.

USA travel insurance coverage highlights

What does Travel Medical Insurance cover? What is travel Insurance USA?

Some of the other important travel health insurance for USA benefits are listed below. Travelers can compare visitor travel insurance to review specific coverage details offered by the different companies and insurance plans.

Medical coverage for accidents and emergency medical ailments

The high cost of healthcare in the US makes it imperative for travelers to have good travel health insurance while traveling outside ones home country. The best travel insurance medical maximum coverage varies based on the travel insurance plan chosen, however travelers have the option of getting coverage up to $1,000,000. The available medical maximum coverage however decreases for travelers over 70 years.

Doctors visit

This allows travelers to visit Doctors for sudden unanticipated medical ailments (continuing treatment for pre-existing ailments and preventive care are not covered). The Co-pay and deductible will vary depending on the travel insurance plan chosen, travelers do have the option of No Co-pay and $0 deductible.

Pharmacy drugs

Doctor prescribed eligible pharmacy drugs are covered up to $50,000, but this varies from plan to plan.


Emergency surgery treatment will be covered. The maximum available amount for surgery is typically $50,000, but this varies from plan to plan.

Medical Evacuation

The best travel insurance provides coverage for medical evacuation up to $1,000,000 if the traveler has to be evacuated to get access to proper medical treatment in the event of a medical emergency.

Repatriation of remains

The repatriation of remains benefit pays for the repatriation expenses back to the home country in the event of death of the traveler for any reason. While this depends on the travel insurance plan chosen, one can get repatriation coverage up to $50,000.

Emergency dental coverage

Emergency dental coverage up to $300 is available for acute onset of pain to natural teeth. Given all these benefits, it is important that international travelers buy the best travel insurance given the relative low cost of travel insurance when compared to the cost of healthcare. This is particularly important for Seniors citizens, as older travelers are most vulnerable and likely to need the benefits offered by the best USA travel insurance plans.

Steps to buy
US visitor travel insurance online

 Step 1: Finding the available US travel insurance plans

Complete the 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

Step by step travel insurance

Different types of US Visitors insurance

Fixed Benefit travel insurance

A fixed benefit travel insurance plan is the cheapest travel insurance plan option. Fixed benefit travel insurance is cheap because it has a fixed limit of coverage for different medical benefits.
Fixed benefit travel insurance plans work well in case of small ailments but can be inadequate in the event of a serious medical ailment or hospitalisation.

Comprehensive travel insurance

Comprehensive travel insurance plans provide exhaustive coverage for health expenses up to the policy medical maximum amount. In contrast to fixed benefit plans there are no limits for each benefit. Comprehensive insurance is more expensive when compared to fixed benefit plans but provides significantly better coverage in case of a medical emergency or hospitalisation.

Factors that determine the cost of US travel insurance plans

Age of the traveler
The cost of travel insurance is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the travel health insurance.
Type of travel insurance:
Comprehensive travel insurance which provide exhaustive coverage are more expensive than fixed benefit travel insurance.
Medical maximum coverage and deductible options
The price of visitors medical insurance is directly dependant on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.
Region of coverage
Travel insurance depends on the coverage region. The cost for visitor health insurance for the United States is most expensive.
Duration of travel insurance
The longer the duration of visitor medical insurance required, the higher will be the cost.
Any add on benefits
Additional add-on benefits like adventure sports coverage … will increase the cost of coverage.

How much does US Visitor health Insurance cost?

There is no single cost for all visitors insurance as the cost of US visitors insurance varies based on several factors such as the age of the visitor, medical maximum coverage, deductible for the plan, type of visitors insurance (Fixed vs comprehensive travel insurance), and the travel insurance coverage for pre-existing conditions. For an average traveler, there are cheap travel insurance plans at less than a dollar a day. In general the cost of US travel insurance starts from as low as $15 per month and can go up to $200 per month. Understandably, the more expensive the travel insurance, the better and more comprehensive will be the travel insurance coverage.

Cost of best Visitor Medical insurance USA plans

For eg - Age: 40 years; Duration: 1 Month; Deductible: 0
Travel Insurance Plans Medical limit ranges Estimate Plan Cost
IMGInternational Medical Group (IMG)
Patriot America Lite $50,000 - $1,000,000 $90 - $165? Buy now
Patriot America Plus $50,000 - $1,000,000 $90 - $165? Buy now
Patriot America Platinum $2,000,000 - $8,000,000 $180 - $310? Buy now
Visitors CareFixed benefit $25,000 - $1,00,000 $30 - $50? Buy now
Trawick InternationalTrawick International
Safe Travels USA - Cost Saver $50,000 - $1,000,000 $70 - $120? Buy now
Safe Travels USA $50,000 - $1,000,000 $90 - $160? Buy now
Safe Travels USA Comprehensive $50,000 - $1,000,000 $90 - $160? Buy now
Safe Travels EliteFixed benefit $50,000 - $175,00 $40 - $60? Buy now
Atlas America $50,000 - $2,000,000 $110 - $230? Buy now
Atlas Premium America $50,000 - $2,000,000 $190 - $330? Buy now
VisitorSecureFixed benefit $50,000 - $130,000 $40 - $80? Buy now
SevenCornersSeven Corners
Travel Medical Basic $50,000 - $1,000,000 $110 - $180? Buy now
Travel Medical Choice $50,000 - $1,000,000 $120 - $230? Buy now
Travel Medical Plus $50,000 - $1,000,000 $160 - $290? Buy now
Inbound USA BasicFixed benefit $50,000 - $150,000 $55 - $70? Buy now
Inbound USA ChoiceFixed benefit $50,000 - $150,000 $80 - $100? Buy now
global-underwritersGlobal Underwriter
Diplomat America $50,000 - $1,000,000 $130 - $220? Buy now
TravelInsureTravel Insurance Services
Visit USAFixed benefit $50,000 - $250,000 $50 - $190? Buy now

Why American visitor insurance?

  • Best temporary usa visitors insurance options
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  • Resourceful compare travel insurance usa tool
  • Customer support and claims settled in the USA
  • Wide range of international travel medical insurance plans
  • 24/7 licensed visitors travel insurance agent support
  • Guaranteed cheapest travel medical insurance price
  • Provide travel health insurance support during any crisis
  • Relevant travel insurance USA blogs, articles and FAQ's
  • Detailed reviews of usa travel insurance plans
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What is the best health insurance for visitors to USA? What is the best travel insurance for USA? What is the best visitor insurance USA?

There are different factors for buying best health insurance for USA visitors. Visitors should compare fixed benefits and comprehensive visitor insurance plans. Foreign visitors to USA travel insurance customers should understand the concepts of deductibles and co-insurance and Pre-existing conditions travel health insurance.

A prudent and well informed traveler will make the correct choice while buying tourist insurance in USA for his or her unique needs. While the best travel insurance for USA varies from traveler to traveler, the following list can be considered the best health insurance for foreign visitors to USA based on their popularity.

Best health insurance for tourist in USA, Best travel insurance for USA

Which is the best visitors travel insurance in USA?

Best health insurance for visitors to USA - Comprehensive plans
  • Safe travel USA Comprehensive Covid insurance offers coverage for coronavirus.
  • Covers acute onset of pre-existing conditions up to policy maximum.
  • It offers coverage for visitors up to 89 years.
  • Atlas America Covid insurance offers coverage for coronavirus illness.
  • Covers acute onset of pre-existing conditions till maximum limit (up to 79 years).
  • Patriot America Plus Covid insurance offers coverage for coronavirus illness.
  • Covers acute onset of pre-existing conditions till maximum limit (up to 70 years).
  • Available for US citizens visiting USA
  • Diplomat America Covid insurance offers coverage for coronavirus sickness
  • Available for US citizens visiting USA
  • INF Elite Covid19 insurance offers coverage for coronavirus.
  • Treats Coronavirus/covid19 as a new sickness & covered by the plan
  • Best comprehensive plan that covers all pre-existing conditions up to 99 years.
  • Visit USA Covid insurance offers coverage for coronavirus sickness
  • Visit USA travel insurance is an excellent medical insurance for tourists and holiday travelers, parents of students studying in the United States, new immigrants and visiting scholars in the USA
  • Travel medical Plus Covid insurance offers coverage for coronavirus sickness
  • Covers treatment of acute onset of pre-existing conditions (up to 79 years)
Best travel insurance for USA – Fixed benefit plans
  • Safe Travels Elite Covid insurance covers coronavirus illness.
  • Covers acute onset of pre-existing conditions up to 89 years.
  • It offers coverage for acute onset of pre-existing conditions up to 70 years.
  • Plan can be renewed up to 364 days.
  • Optional pre-existing conditions rider offers coverage for Stroke or Myocardial Infarction (heart attack) for travelers of any age.
  • Plan can be renewed up to 2 year.
  • Offers coverage for acute onset of pre-existing conditions up to 79 years.
  • Renewable up to 364 days
  • INF Premier Covid insurance covers coronavirus illness.
  • Covers all pre-existing conditions, this means doctors, appointments, blood tests & labs, specialist care, urgent care visits, & hospital stays are all covered for pre-existing conditions.
  • Renewable up to 364 days

Ailment and average cost of treatment in US

According to INF insurance, the top Eight visitor medical insurance claims for older travelers visiting the US are:
  1. Type 2 Diabetes Mellitus with Hyperglycemia
    Patients admitted to the hospital Emergency Room(ER) and discharged within 1-2 days. The average bill across the US for a hypoglycemic event is around $25,000.
  2. Cerebral Infarction, also known as stroke
    This can involve a 4-5 day stay in the Intensive Care Unit (ICU) coupled with at least 2 MRI scans and follow up treatments with a Neurologist. The average cost of a cerebral infraction is nearly $100,000.
  3. Septicemia, blood poisoning caused by bacteria often due to Urinary Tract infection
    The average cost of septicemia in 2018 was over $50,000
  4. Cerebral Artery Occlusion
    Ischemic stroke- the occlusion of a cerebral artery that causes damage to the brain tissue dependent on blood supply for the affected blood vessel. Treatment for this kind of stoke will definitely need ICU care for 8-10 days, many brain scans from MRI and PET machines, and skilled follow up care. The average cost of cerebral artery occlusion in 2018 was nearly $120,000.
  5. Non-ST-elevation myocardial infarction, commonly known as heart attack
    Typical medical bills will include ambulance, hospital emergency room, ICU, EKG and MRI heart scans and continuing care from cardiologists. The average cost for Non-ST-elevation myocardial infarction in 2018 was close to $20,000.
  6. Persistent atrial fibrillation which results in irregular or rapid heartbeat.
    Common symptoms experienced by older travelers due to extreme weather conditions can include dizziness, nausea and heart palpitations. According to INF claims data, the average cost of an atrial fibrillation in 2018 was almost $12,500.
  7. Hypertensive emergency
    A Hypertensive emergency is high blood pressure with a systolic blood pressure of over 180 mmHg or having a diastolic blood pressure over 110mmHh. This level of high blood pressure can permanently damage organs such as the brain, kidney, eyes, or heart. INF claims data found that the average treatment of hypertensive emergencies was over $85,000 in 2018.
  8. Acute Kidney Failure
    Acute Kidney Failure is a complication caused by different pre-existing conditions such as high blood pressure, urinary tract infections or diabetes. The average treatment cost of acute kidney failure in the USA was over $22,000 in 2018.

USA healthcost insurance - Frequently asked questions

Is it worth it to get health insurance for visitors to the US?

Given the very high cost of US healthcare, it is very logical to buy good health insurance for visitors to the US. The cost of the US health insurance for visitors is very small when compared to the healthcare costs in the USA for expatriates and visitors, so a small cost will bring tremendous peace of mind while in the country.

And, should the traveler fall sick or get injured while in the US you will no doubt consider the short term visitor health insurance as the greatest investment you ever made. Of course, we all hope that your travels are smooth and pleasant. US travel Insurance is however for the unexpected, whether falling sick or having an accident and finding yourself in a hospital in the US. An US short term health insurance for visitors policy will take care of you in those situations.

What is the best health insurance for visitors to USA?

There is no single best health insurance for visitors to USA which will work best for all travelers. The best visitor health insurance will vary from visitor to visitor depending on their unique needs. While some international travelers will look for the cheapest health insurance for visitors plan, others will look for the most comprehensive and best health insurance for visitors to usa coverage. The price will be higher if you need health insurance usa for foreigners with pre-existing conditions.

It is recommended to compare different health insurance for visitors to usa plans based on price as well as the different benefits coverage options. International travelers should also read different health insurance usa for foreigners reviews before they buy visitor health insurance.

Why is travel insurance to USA so expensive?

There is no denying that travel insurance to USA is unfortunately 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 for USA plans available for older travelers, with higher medical coverage as well as some plans with coverage for pre-existing ailments.

How to buy visitors insurance ? How to find the best visitor health insurance ?

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.

US Travel Insurance to cover medical care for visitors in USA

After being aware of these facts, it would be penny wise pound foolish to not buy adequate visitor medical insurance for the US. Buying proper visitor medical insurance will protect you from a financial crisis while in a medical emergency.

Resourceful visitors medical insurance information

Visitor insurance resources

Visitor insurance resources

International travel insurance resources for travel emergency while outside your home country.

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Factors for travel insurance

Factors for travel insurance

Important factors for travel insurance to consider while deciding on the best visitors medical insurance.

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Types of visitor insurance

Types of visitor insurance

Understanding different types of US visitor health insurance options, fixed benefits vs comprehensive coverage.

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Claims Procedure

Claims Procedure

Helping travelers with the insurance claims process for getting medical care in a hospital.

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US visitors insurance providers

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.

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