Young adults ages 18–35 visiting the USA often skip insurance thinking they're healthy and unlikely to need it. This is a costly mistake. An ER visit for appendicitis costs $30,000–$60,000. A car accident hospitalization can exceed $100,000. The good news: for young adults, visitor insurance is extremely affordable — often less than $3/day.
Young Adult Insurance at a Glance
- ✓ 30-day comprehensive policy: $65–$95
- ✓ 90-day policy: $195–$275
- ✓ Same plans available as older travelers — same quality coverage
- ✓ No medical exam required
Why Young Adults Skip Insurance (And Shouldn't)
- Appendicitis: Can happen at any age. Average US cost: $30,000–$60,000
- Sports injuries: Common among active travelers. ACL surgery: $20,000–$50,000
- Accidents: Traffic accidents cost an average of $60,000+ per hospitalization
- Infections: Sepsis, pneumonia, or a severe infection can require days of ICU care
Best Plans for Young Adult Visitors
Trawick International
Safe Travels USA Comprehensive
Best ValueMost affordable comprehensive plan for healthy young adults. $50,000–$1M coverage options. Good for budget-conscious visitors who want real protection.
IMG
Patriot America Plus
Best CoverageBest overall for young adults who want maximum protection. Large PPO network, $1M max benefit, strong outpatient and emergency coverage.
WorldTrips
Atlas America
Most FlexiblePurchase for as few as 5 days. Ideal for young adults on shorter visits or uncertain trip lengths. Strong $0 deductible option.
What Coverage Amount Should Young Adults Choose?
For most healthy young adults, $250,000 with a $250 deductible is a reasonable starting point. The premium savings from $500K down to $250K are modest for young ages — consider $500K if your budget allows. Avoid $50,000 plans; a single hospitalization can exhaust a $50K policy.
Get Your Quote — Under $3/Day
Compare all plans for your age and trip length. No medical exam required.
Compare Plans →Related: 30-Day Guide · After-Arrival Purchase · Compare Plans