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Visitors Insurance

Visitors Medical Insurance for USA

Review and buy the best visitor health insurance for visiting the USA. Best visitors insurance for parents, relatives or tourist visiting the USA, plans from top-rated carriers that meet your specific coverage needs and also fit your budget. Contact us today, we can guide & help advise you with the selection.

Visitors Insurance USA

Visitor medical insurance (also referred to as visitor health insurance or visitors insurance) is a highly recommended and best visitor insurance is required coverage, especially for visiting USA, or international travel to any foreign destination. Visitors insurance plan offers the visiting traveler or tourist with visitors medical coverage protection while visiting USA, or during travel abroad outside home country of residence.

With the increase in visitors to the USA and other western countries by citizens of all foreign nationalities, visitors insurance is highly recommended considering the cost associated with health care in developed countries for visitors traveling to countries such as USA, UK, Europe, Canada, Japan, Australia, New Zealand, UAE, Singapore, etc from nations such as India, China, Mexico, Brazil, Russia, South Africa, South Korea, Thailand, Vietnam, UAE, Philippines, etc. USA Visitors Insurance review is available for every American visitor insurance plan requiring the necessary visitors coverage protection in the United States (U.S.), or Canada, or even for coverage in any foreign international destination.

Did you know that the premium costs are mandated by law, and you cannot find a lower quoted cost for any given policy and the same plan options selected, whether you purchase directly or through any agent/agency.

Visitors Health Insurance - Need for Coverage

To have a safe and worry-free vacation, travel, holiday, or extended stay in the USA or any foreign country, it is very important that the visitor, tourist or traveler be adequately covered with a visitor insurance policy plan that includes accident and sickness coverage with international travel insurance protection from a reputed visitors health insurance provider. The premiums collected by the insurance company provider will pay for the injured or sick visitors medical bills if needed during your visit to a foreign country. You remain covered under the visitors medical insurance policy until you are paying the required premium for the plan. The usefulness of the visitor insurance policy is accounted on the basis of the method with which you subscribe to it. You can sign a plan to cover for parents, family or friends visiting abroad – outside of their home country or visiting USA on a valid US visitor visa (B-2 or B-1) stamping in your passport.

Visitors Insurance – Best Comprehensive Coverage Plans

Popular visitors insurance plans with comprehensive benefits that provide coverage up to the plan maximum benefit selected at the time of purchase of the plan, review and buy coverage instantly online.
Policies that include visitors insurance Covid-19 coverage for the global COVID-19/SARS-CoV-2 coronavirus disease pandemic are marked: COVID-19 

Atlas America

Popular Plan for USA Visitors  COVID-19 

Popular plan includes acute-onset of pre-existing condition coverage for ages below 80 years. For ages 65-79 years, maximum coverage limited to $50K or $100K USD.

  • Relatives & parents visiting USA
  • Single-trip tourist in America
  • From 5 days up to max. of 364
  • Pre-existing (Acute onset only)
  • Instant quote & buy now
  • ID cards/coverage proof letter
  • Renewable & cancellable
  • Wide PPO, coinsurance savings
  • Max. amounts, $50K to $2 Million
  • Deductible choices, $0 to $5000

Brochure →        Review Plan

Patriot America Plus

Top Plan for Visitors to the USA  COVID-19 

Excellent policy for visitors to USA, has sudden relapse with acute-onset pre-existing condition benefits for ages below 70 years.

  • Foreign nationals visiting USA
  • Parents & relatives visiting USA
  • Single-trip tourist in America
  • Renewable & cancellable
  • Buy from 5 days to 1 year
  • Renew up to 24 months total
  • Acute onset of pre-existing
  • Quote & buy instantly online
  • Insurance ID cards/visa letter
  • Maximum: $50K to $1 Million
  • Deductible: $0 to $2500

Brochure →        Review Plan

Patriot Platinum

Best Plan for Travel to USA or Intl.  COVID-19 

Best comprehensive plan for visitors to USA or other nations, includes higher max. limits and liability coverage also.

  • For individuals, families, groups
  • Enhanced features, maximums
  • Pre-existing (acute onset)
  • Buy for minimum. 5 days
  • Get instant ID cards & visa proof
  • Renew active policy, or cancel
  • Renew policy to 36 months
  • Maximum up to $8 million
  • Age 80+ years get $20K max.
  • High deductible, $0 to $25K

Brochure →        Review Plan

Atlas Premium

Best Plan for Travel to USA or Intl.  COVID-19 

High-end comprehensive plan for visiting USA or intl. travel, see any doctor as no coinsurance to meet, liability coverage benefits, higher maximum limits for 80+ age w/ 20K max.

  • Business travelers visiting USA
  • Age 80+ visitors, gets $20K max.
  • Higher liability, better features
  • No coinsurance outside PPO
  • Pre-conditions (acute onset)
  • Buy up to 1 year, min. 5 days
  • Instant ID cards & visa letter
  • Renew active, cancel anytime
  • Max. from $50K to $2 Million
  • Deductible from $0 to $5000

Brochure →        Review Plan

Safe Travels USA Comprehensive

Plan for Travel to USA or Intl.  COVID-19 

Comprehensive plan for visiting USA or intl. travel, acute-onset pre-ex condition covered, for up to age 89 and 364 days max duration.

  • Foreign nationals visiting USA
  • Available up to age of 89 years
  • From $50K to $1 million USD
  • Emergency & hospitalization
  • Buy duration from 5 to 364 days
  • Renew up to 2 years (24 months)
  • Primary Insurance (not Gap)
  • Wide First Health PPO Network
  • Acute Onset of Pre-Conditions
  • $75 Doctor Wellness Visit Benefit
  • Telemedicine option covered
  • Athletic sports, Home Return
  • Covered en-route during travel

Brochure →        Review Plan

Safe Travels USA Cost Saver

Budget Travel to USA or Intl.  COVID-19 

Comprehensive budget primary policy for up to age 89 years, covers unexpected recurrence of pre-ex condition up to USD1000, max duration of 1 year, renew up to 24 months.

  • Visiting the USA or worldwide
  • $50K up to $1 million USD Max.
  • Primary emergency medical
  • Purchase for 5 days to 364 days
  • Renew up to 2 years (24 months)
  • Unexpected recurrence, $1,000
  • Wide PPO Network (First Health)
  • Wellness Visit (Doctor $75)
  • Telemedicine consultation
  • Return to Home, Athletic sports
  • Covered during travel to USA

Brochure →        Review Plan

Diplomat Long Term

Best Coverage Outside Home Country  COVID-19 

Best comprehensive plan for visitors to USA or other nations, higher max. limits, liability coverage.

  • Visitor to USA & outside US
  • Long term intl. travel medical
  • Minimum 3 months purchase
  • Renew/extend policy to 3 years
  • Cancel for refund prior to start
  • Maximum up to $1,000,000 USD
  • Ages 70-79 yrs. $100K USD max.
  • Ages 80+ years $20K USD max.
  • Deductible: $0 to $5000 USD
  • Athletic Sports Activity Rider
  • Add-on War Risk rider to policy
  • Home Country Cover on return
  • Expat US citizens visiting USA

Brochure →        Review Plan

Diplomat America

Top Visitor Health Insurance USA  COVID-19 

Excellent policy for visitors to USA, has sudden relapse with acute-onset pre-existing condition benefits for ages below 70 years.

  • Foreign nationals visiting USA
  • Suitable for visitors to America
  • Single trip sickness/injury plan
  • 15 days minimum, max. of 1 year
  • Not renewable, buy exact dates
  • Acute-onset of pre-conditions
  • No PPO, any doctor/hospital
  • Quote & purchase for single trip
  • Member max.: $50K to $1 million
  • Choose deductible: $0 to $2,500
  • AD&D benefit: $25K to $1 million
  • Child alone purchase allowed
  • Optional adventure sports rider

Brochure →        Review Plan

Atlas Essential

Budget Comprehensive Coverage  COVID-19 

Basic comprehensive plan for visiting USA or intl. travel, lower maximum limits with affordable costs.

  • Suits budget travel by visitors
  • Cheap comprehensive for USA
  • Also intl. travel outside America
  • No acute-onset of pre-ex cover
  • Buy 5 days up to 1 year max.
  • Easy quote & purchase online
  • Insurance ID cards/letter emailed
  • Renew before expiration date
  • Cancel prior to start, full refund

Brochure →        Review Plan

Patriot America Lite

Plan for Travel to USA or Intl.

Value plan w/ no pre-existing benefits included, suits healthy parents ages 70-79 years w/ maximum coverage limited to $50K USD.

  • Cheap comprehensive plan USA
  • No acute-onset pre-ex cover
  • Medical evacuation/repatriation
  • Maximum choices $50K to $1M
  • Deductible from $0 to $2,500
  • Buy from 5 days, renew 2 years
  • Renew before expiration date
  • Cancel prior to start for refund
  • Easy quote, apply & purchase
  • ID cards/visa letter/proof sent

Brochure →        Review Plan

Visit USA Insurance

Healthcare for Visitors to USA  COVID-19 

Older healthcare plan for visitors or tourists to America, comprehensive and fixed options, not renewable.

  • 14 days to 99 years, visiting USA
  • Superior, Standard, & Budget
  • Superior comprehensive, higher
  • Standard comprehensive also
  • Comprehensive, 100% to max.
  • Wide PPO w/ comprehensive
  • Basic pays fixed amounts only
  • No PPO with Basic option
  • Benefit period 12 months
  • All options not renewable

Brochure →        Review Plan

Safe Travels USA

Visitors to USA or outside America  COVID-19 

Comprehensive plan, covers unexpected recurrence of pre-ex condition up to USD1000, max duration of 1 year.

  • Visiting USA, worldwide travel
  • Max: $50K – $1 million USD
  • Primary emergency medical
  • Duration: 5 days to 364 days
  • Renew up to 2 years (24 months)
  • Unexpected recurrence, $1,000
  • Wide PPO Network, FirstHealth

Brochure →        Review Plan

Travel Medical Choice – USA

Popular Plan for Visiting USA  COVID-19 

Popular comprehensive plan for non-US citizens/residents visiting the USA and traveling elsewhere outside home country.

  • Non-U.S. citizens visiting USA
  • Traveling outside home country
  • Age: 14 days to 80+ years old
  • Comprehensive, US$1M max.
  • Deductible: $0 to $5,000 USD
  • US$100K COVID-19 test/treat
  • Wide UnitedHealthCare PPO
  • Save coinsurance in PPO
  • AD&D up to US$25K
  • Medical Evacuation & Reunion
  • Renew to extend up to 1 year

Brochure →        Details

Travel Medical Basic – USA

Reliable and economical plan for USA  COVID-19 

Reliable and economical comprehensive plan for non-US citizens/residents visiting the USA and traveling elsewhere outside home country.

  • Non-U.S. citizens visiting USA
  • Traveling outside home country
  • Comprehensive budget plan
  • Maximum: US$50K to US$1M
  • Deductible: US$0 to US$5,000
  • Duration: 5 days to 364 days
  • Over 70 years, $50K or $100K
  • 80+ gets $10,000 max.
  • Acute Onset of Pre-Existing
  • Renew policy up to 1 year

Brochure →        Details

Visitors Insurance – Fixed Benefit Coverage Plans

Low-cost or cheap visitor insurance plans with travel & medical benefits that are fixed or capped or limited or scheduled per the “Schedule of Benefits” or “Schedule of Coverage” as listed in the corresponding plan brochure.

Visitors Care

Low Cost Plan for Visitors to the USA  COVID-19 

Plan offers optional Heart-Care Plus rider to policy for heart attack/stroke with premium savings.

  • Covers non-U.S. residents
  • Visiting USA or travel abroad
  • Min. of 5 days renew to 1 year
  • Fixed plan with capped benefits
  • Summary w/scheduled limits
  • No provider PPO network
  • See any doctor or hospital
  • Renew plan up to 12 months
  • Cancel plan, applicable refund

Brochure →        Review Plan

Visitor Secure

Low Cost Plan for USA Visitors  COVID-19 

Low-cost scheduled budget plan with fixed benefits with many options to choose from.

  • Buy min. of 5 days to 364 days
  • Fixed, medical benefits capped
  • Summary of benefits w/limits
  • No PPO, any doctor or hospital
  • Extend policy up to 12 months
  • Cancel purchased plan anytime
  • Pro-rated refund if no claims

Brochure →        Review Plan

Safe Travels Elite

Fixed Plan for Visiting USA  COVID-19 

Low-cost scheduled budget plan with fixed benefits with many options to choose from.

  • Visiting USA & travel to America
  • Traveling outside home country
  • Maximum: $25K – $175K USD
  • Duration: 5 days to 364 days
  • Emergency & Hospitalization
  • Renew up to 2 years (24 months)
  • Pre-existing recurrence
  • Wide PPO Network, FirstHealth
  • Med. Evacuation & Repatriation

Brochure →        Review Plan

Inbound USA

Fixed Coverage for Visiting USA

Basic medical coverage for ages below 100 years, Inbound Choice plan option w/ $100K maximum coverage.

  • Fixed benefit w/ lower costs
  • Age: 14 days to 99 years
  • Basic, Choice and Elite options
  • Acute Onset of Pre Ex (till 80)
  • No PPO, any hospital or doctor
  • Max: $50K to $150K, per loss
  • Senior citizens older than 80
  • No co-insurance or co-pay
  • Pay deductible per incident
  • Renew to extend policy dates

Brochure →        Review Plan

Visitor Travel Insurance - How It Works

Visitor insurance coverage is best purchased from the country you are planning to visit. Visitor insurance plan can be purchased with no medical checkup requirements, also most plans offer free quotes with instant same or next-day coverage. The main reason being it is advantageous to the traveler to obtain a locally networked visitors health insurance plan as they have in-network billing through a recognized preferred provider network (PPO). Make sure you join a visitors health coverage plan from a company who has office or center in the country which is to be visited. Though the premiums for such countries are higher, such plans are a better choice because of the convenience of claiming for your compensation, which is guaranteed in this case. The reason why it is convenient is that the doctors or hospitals in that country accept the visitors medical insurance cards of companies having centers in the country that is visited by the traveler.

Pre-existing conditions (defined as any health/medical condition that manifests and exists before the purchase of the visitor insurance plan) are determined by the physician or doctor who treats the individual who then submits a physician report as ordered by the visitors insurance company. Pre-existing conditions are generally excluded from coverage, and any claims submitted will be denied by the insurance company claims department, and this detail is normally listed in the plan exclusions section in the plan brochure. However, there are very few visitors insurance pre existing condition plans that offer limited benefit amount for certain pre-existing conditions such as relapse of heart attack, stroke, etc. It is always best to refer to the plan brochure for details of what medical condition is covered and what is excluded.

Visitor Insurance USA - Buy American Vs. Home Country Plan

The doctors and clinics are generally reluctant to accept the visitor insurance cards of some other country or certain medical institutes may not be familiar or associated with your native insurance providers. It becomes easy for the hospitals and clinics to get in touch with the home office of the company, if any problem regarding insurance policy arises. In the same situation, it would be difficult or even impossible if the insurance plan has been purchased with a company based in a foreign country or in the native homeland of the visitor.

Once America visitor insurance is purchased, the visitors medical insurance policyholder or insured member is sent an identification card (ID card is pdf document in email for online fulfillment which can be printed or paper ID cards that are sent in regular U.S. postal mail for offline fulfillment). This insurance I.D. card needs to be displayed for proof of coverage at the time of seeking medical assistance from a hospital, doctor, laboratory, or any other authorized medical care giver. The insurance company will furnish such a clinic or hospital with written instructions for the likely medical expenses that can be claimed under the policy.

Visitor Insurance – Compare Plans for Visitors to USA or International Travelers

International visitors insurance are limited lines travel plans for USA travelers, persons immigrating to the US, plans for parents, relatives or friends visiting the US, plans for U.S. citizens traveling, studying, working or living overseas outside the US, plans for international students for short-term travel. Quote, compare, review, rate, and buy / purchase a visitors insurance plan instantly online today, no medical check-up is required.

Visitor Medical Insurance USA – Plan Benefits

There are many providers of visitor insurance, most of them cover USA and overseas trips from as short as five days to as long as three years. There are many types of policies under the broad spectrum of visitor health insurance and these plans are broadly based on:

  • Plan Deductible (accumulated deductible over plan term, choose between $0 to $5000)
  • Maximum covered amount (varies from $25,000 to $8,000,000)
  • Covered benefit type (comprehensive coverage benefits or fixed scheduled benefits)

You can have different options or riders attached with each type of visitors medical insurance policy, including protection from risk of terrorist attacks or protection from risk arising from hazardous sports activities such as skiing, white water rafting, sky diving, etc. You can renew your policy upon your return trip, and some plans also provide end of trip home country coverage for a brief period.

Visitor Health Insurance USA – Coverage Details

Depending on your policy, you can have cover for any or all of the following benefits associated with visitors medical insurance. Some of the included plan benefits in visitors coverage are:

  • Common sickness ailments coverage
  • Medical emergencies and accidental injury
  • Ambulance support and associated fees
  • In-patient hospitalization charges
  • Sudden pain dental appointments
  • Prescription drugs and medicines
  • Emergency medical evacuation covered
  • Repatriation of mortal remains
  • Accidental Death & Dismemberment (AD&D)
  • Flight Accident or Common Carrier Death Benefit
  • Home Country Coverage on return
  • Trip Cancellation
  • Trip Interruption

The cost of a visitors medical insurance policy depends on the age and gender of the insured person, the coverage level – comprehensive or fixed, maximum benefit amount, and the length or duration of stay in the visited foreign country. Different plans have different plan deductibles, which is the amounts that you pay before the insurance company pays anything for coverage benefit. These typically range from $0 to $2,500, (or even higher amounts) with $250 usually being the standard deductible. Choosing a zero deductible policy rates up the premium costs. Comprehensive benefit plans typically have a co-insurance component, and these amounts also vary. Co-insurance is the percentage or amount of covered expenses that you pay after deductible usually to the first $5000 in incurred costs. So a plan offering a 10% co-insurance factor would typically incur a maximum out-of-pocket expense of $500 for the insured, if claimed amount is greater than USD5000. However, some of the visitor insurance plans offer wavier of any co-insurance amounts borne by the insured, provided the hospital, doctor, lab, or any other health care giver who treats the insured, directly bills the visitor insurance company for any charges incurred. Beyond the deductible and co-insurance amount, the visitors insurance coverage plan pays the associated medi-cal costs up to the plan maximum cover selected or insured during the purchase of the policy.

Travel Medical Insurance – Provider Network (PPO Network)

Travel medical and visitor insurance plans contract with nationwide Preferred Provider Organization (PPO) networks, and in some instances have contractual agreements with international health care networks also. Many plans utilize the services of large PPO networks such as UnitedHealthCare or First Health which provides national PPO network access and other cost containment programs to help visitors insurance companies manage visitors health insurance plans. By aggressive negotiations and acquisitions, the PPO network used has expanded rapidly all parts of the US / Canada, where any doctor clinic, laboratory, hospital or caregiver can be searched by zip code and sorted by specialty of medical service.

Group Travel Medical Insurance

Group Travel Health Insurance or Group Travel Insurance policies offer savings in the premium rate for groups of individuals visiting USA or traveling to an international destination. These plans are suited for non-US citizens who are traveling in a group and visiting the United States, or anyone traveling to any other nation outside home country. Group Travel Insurance also suits USA citizens who are traveling abroad as a group to any nation outside the US borders.

Group Visitor Medical Insurance

Group Visitor Medical Insurance or Group Travel Insurance plans are for groups of 5 or more individuals visiting the USA, or traveling outside America and home country. Group coverage include a 10% group rate discount and features travel & medical benefits that can be purchased for the entire group in a single policy.

Atlas Group Travel

Group Travel Medical Plan for 5+  COVID-19 

Single group policy covers entire group of 5 or more individuals visiting the USA, or traveling outside America.

  • Groups of 5+ outside home country
  • Save 10% discount on group rates
  • Trade, professional, educational groups
  • Suitable for tourist groups to America
  • From 5 days up to max. of 364 days
  • Acute-onset of pre-existing conditions
  • Quote & buy a single group policy
  • Renewable coverage up to 1 year
  • Choose group deductible: $0 to $5,000
  • Each member covered: $50K to $2 mill.

Brochure →        Review Plan

Patriot Group Travel Medical

5+ USA Visitors or Intl. Travelers

Groups of 5 or more visitors to the USA, or groups traveling outside home country to other nations also.

  • Groups of 5+ outside home country
  • Save 10% discount on group rates
  • Suitable for tourist groups to America
  • Church, family, or business groups
  • From 5 days up to max. of 1 year
  • Renewable coverage up to 2 years
  • Acute-onset of pre-conditions existing
  • Quote & buy a single group policy
  • Choose group deductible: $0 to $2,500
  • Each member covered: $50K to $1 mill.

Brochure →        Review Plan

Travel Health Insurance – Claims Information

Most visitors health insurance plans require you to pre-certify any claims by calling the 800 toll-free number on the back of your ID card, and the visitor insurance plan administrators are available 24/7 365 days of the year. One your have used the medical services by presenting your visitor insurance plan details, your health care giver such as the physician clinic, laboratory, hospital, etc. will directly bill the visitor insurance company for the incurred claims, if they belong to the PPO network for your plan. Otherwise, you would pay medical charges yourself and submit a claim to the visitors insurance administrator by filling out a claim form. After this, any claim made, will be evaluated by the visitor insurance providers and it will make payments to the hospital or physician clinic or laboratory for the appropriate payments on your behalf, often called as cashless direct billing, or reimburse you the amount if it was paid by you.

The amount payed to these health care providers is based on the Usual, customary, and reasonable (UC&R) charges model in the travel medical/health insurance industry for health provider in your local zip code. UCR charges mean that the charge is the provider’s usual fee for a service that does not exceed the customary fee in that geographic area, and is reasonable based on the circumstances. Instead of UCR charges, PPO network plans often operate based on a negotiated (fixed) schedule of fees that recognize charges for covered services up to a negotiated fixed dollar amount.

Some travel insurance companies may also cover injuries under visitor health insurance which you may have to bear because of accidents, war or terrorist activities. Depending upon the visitors insurance review of plan, the visitor health insurance companies may either reimburse the costs you incur during the treatment or it can also assist to directly pay your bills at the concerned clinic, laboratory, hospital or caregiver. It is in the best interest of the visitor medical insurance company and the medical care giver to work with you to ensure that the claimed charges are settled.

Visitors Insurance Agent / Agency

Visitors health Insurance, which is a form of travel insurance or travel medical insurance or visitor travel insurance is mandated by law, and hence the prices are same and cannot be rebated i.e. you pay the same fixed cost for same plan product / optional riders, no matter if you buy direct from a travel insurance company, the visitor insurance providers, any visitors insurance agent, even if another visitors insurance agency claims to offer the cheapest quoted rates for any giver visitor insurance plan, or to carry the lowest cost, cheapest, best affordable quoted rate available for a given plan.

Visitors Insurance Conclusion

Visitor medical insurance offers a worry-free option for international travelers, friends or relatives or parents visiting USA or Canada or any other country out of home country. Individuals or family can travel abroad stress-free knowing that they are adequately protected for medical emergencies inside the USA or in any foreign land by buying the best visitors insurance plan. Get a free visitors insurance quote cost today, read visitors insurance review of the plan information, read about the visitors insurance review with policy ratings, and visitor insurance reviews and rankings, but don’t have a second thought about the purchase a visitor health insurance plan for your next trip for visiting USA, or traveling abroad.

Parents visiting USA or family traveling overseas, read all the visitors insurance review and be insured with a visitor medical insurance plan, Bon Voyage and have a safe, worry-free journey and enjoyable stay in America or any host country!

Visitors Insurance Blog

Did you know that the premium costs are mandated by law, and you cannot find a lower quoted cost for any given policy and the same plan options selected, whether you purchase directly or through any agent/agency.

The coverage benefits and premium price you want. The peace of mind you need!
Contact us today and a licensed insurance agent can help advise and guide you!