IMG Patriot America Plus
Best overall. Largest PPO network, multilingual support, trusted at every major US hospital.
Best for: First-time visitors, families
WorldTrips Atlas America
Best for seniors and maximum protection. $2M coverage, $1M evacuation, highest pre-existing limit.
Best for: Seniors 65+, long stays
Trawick Safe Travels USA
Best budget option. Lower premiums at all ages, free telehealth, flexible deductibles to $5,000.
Best for: Budget buyers, under 65
Why Visitors Insurance Matters in the USA
The United States has the most expensive healthcare system in the world. A single emergency room visit costs $3,100–$8,000 on average. One night of hospitalization runs $11,700. A cardiac event with ICU care can exceed $150,000. Your home country's health insurance — whether it's NHS, NHIS, PhilHealth, IMSS, or any private plan — covers exactly $0 of these bills in the USA.
Visitors insurance is specifically designed for this gap. It's short-term US health coverage that you purchase before or immediately after arrival. Plans are issued by A-rated US carriers, accepted at any US hospital, and typically cost $1–$3 per day depending on age and coverage level.
“Since 2019, we've insured over 60,000 travelers. The biggest shift I've seen is the age distribution of buyers — more grandparents in their 70s and 80s traveling to the US, and the acute onset gap between carriers has never mattered more. Families are consistently shocked when I tell them the IMG plan they've used for five years suddenly provides zero pre-existing coverage the year their parent turns 70.”
Complete Plan Comparison
| Feature | IMG Patriot Plus | WorldTrips Atlas | Trawick Safe Travels |
|---|---|---|---|
| Maximum Coverage | $1,000,000 | $2,000,000 | $1,000,000 |
| Deductible Options | $0–$2,500 | $0–$5,000 | $0–$5,000 |
| Acute Onset Pre-Existing (under 70) | Policy maximum | Policy maximum | Policy maximum |
| Acute Onset Pre-Existing (70–79) | Not covered | $100,000 | $35,000 (USA) / $25,000 (Elite) |
| Emergency Evacuation | $500,000 | $1,000,000 | $500,000 |
| PPO Network | UHC Choice Plus | First Health/Cofinity | First Health PPO |
| Telemedicine | Available | Available | Included free |
| Prescription Drugs | Covered | Covered | Covered |
| Emergency Dental | Up to $250 | Up to $500 | Up to $250 |
| Repatriation of Remains | Included | Included | Included |
| Maximum Age | 99 years | 99 years | 89 years |
| Coverage Periods | 5 days–1 year | 5 days–364 days | 5 days–364 days |
| Trip Interruption | Up to $5,000 | Up to $10,000 | Up to $5,000 |
| In-Network Coinsurance | 80% after ded. | 80% after ded. | 80% after ded. |
| Coinsurance Cap | $5,000 max OOP | $5,000 max OOP | $5,000 max OOP |
Cost by Age ($100K Coverage, $250 Deductible)
Monthly estimates. Get exact pricing at the quote tool below.
| Age | IMG Patriot Plus | WorldTrips Atlas | Trawick Safe Travels |
|---|---|---|---|
| 30 | $28/mo | $26/mo | $23/mo |
| 40 | $38/mo | $35/mo | $32/mo |
| 50 | $52/mo | $48/mo | $45/mo |
| 60 | $78/mo | $72/mo | $68/mo |
| 65 | $105/mo | $95/mo | $88/mo |
| 70 | $145/mo | $130/mo | $120/mo |
| 75 | $195/mo | $175/mo | $158/mo |
| 80 | $265/mo † | $240/mo † | $215/mo ✓ |
† IMG and WorldTrips are available at age 80 but provide zero acute onset pre-existing condition coverage at this age. ✓ Trawick Comprehensive/Elite continues acute onset coverage ($20K/$15K) through age 89 — the only carriers that do.
Tower Hill Travel Insurance — By the Numbers
60,000+
travelers insured since 2019
151
countries covered across our carrier network
~$38/mo
avg plan cost, age 40, $100K coverage, $250 deductible
$11,700
avg US hospital cost per night (2025 data)
Tower Hill Travel Insurance internal data (2019–2026). US hospital cost: American Hospital Association (2025). Plan pricing: representative estimates for $100K/$250 deductible.
Which Plan Is Best For You?
First-time visitors / tourists
IMG Patriot America Plus
Largest PPO network, most hospitals accept it, multilingual 24/7 support
Seniors 65–69
WorldTrips Atlas America
Policy maximum acute onset + $1M evacuation — highest limits available at this age
Seniors 70–79
WorldTrips Atlas America
$100,000 acute onset at 70–79 — the highest available. IMG has zero coverage at 70+
Budget-conscious buyers
Trawick Safe Travels USA
Lowest premiums at most age groups, free telehealth, flexible deductibles
Pre-existing conditions (under 70)
All three plans tied
IMG, WorldTrips, and Trawick all cover acute onset up to the full policy maximum under 70
Pre-existing conditions (70–79)
WorldTrips Atlas America
$100,000 acute onset at ages 70–79 — highest available. Trawick second at $35,000
Maximum possible protection
WorldTrips Atlas America
$2M medical + $1M evacuation — the highest limits available
Families with children
IMG Patriot America Plus
UHC network recognized at children's hospitals, pediatric care included
See Your Exact Price in 60 Seconds
Enter your dates and ages — compare all three plans side by side.
Get Free Quote →Frequently Asked Questions
What is the best visitors insurance for USA in 2026?+
How much does visitors insurance cost per month?+
Do visitors insurance plans cover pre-existing conditions?+
Can I buy visitors insurance after arriving in the USA?+
What deductible should I choose for visitors insurance?+
How do I choose between IMG, WorldTrips, and Trawick?+
Written by Ty Taylor, Licensed Insurance Agent · TX #2608479TX · Tower Hill Travel Insurance · Updated June 2026