IMG Patriot America Plus
Best overall for Indians. 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
Indian Health Plans Have Zero Coverage in the USA
India's Ayushman Bharat–PM Jan Arogya Yojana (AB-PMJAY) and CGHS for central government employees cover hospitalisation within India only — neither scheme has any US network affiliation. India and the United States have no bilateral healthcare agreement, so every dollar of a US medical bill is your responsibility. A single night in a US hospital averages $11,700; an ambulance ride alone runs $1,200–$2,700. With 4.4 million Indian-Americans concentrated in the Bay Area, New York, New Jersey, and Texas, the risk is real. Parents visiting on a B-2 visa are especially exposed — one cardiac event can exceed ₹80 lakh out of pocket.
India is the #1 source of visitors to the USA — and the most common reason families face financial ruin is an uncovered medical emergency.
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 covers exactly $0 of these bills in the USA.
Visitors insurance is specifically designed to fill 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.
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 |
Monthly Cost by Age — $100K Coverage, $250 Deductible
| Age | IMG Patriot Plus | WorldTrips Atlas | Trawick Safe Travels |
|---|---|---|---|
| Age 30 | $28/mo | $26/mo | $23/mo |
| Age 40 | $38/mo | $35/mo | $32/mo |
| Age 50 | $52/mo | $48/mo | $45/mo |
| Age 60 | $78/mo | $72/mo | $68/mo |
| Age 65 | $105/mo | $95/mo | $88/mo |
| Age 70 | $145/mo | $130/mo | $120/mo |
| Age 75 | $195/mo | $175/mo | $158/mo |
| Age 80 | $265/mo | $240/mo | Not available |
Representative rates — exact pricing varies by exact age, trip dates, and deductible. Get a live quote for Indians above.
Which Plan is Best for Your Situation?
| Situation | Best Plan |
|---|---|
| First-time visitors / tourists | IMG Patriot America Plus |
| Seniors 65–69 | WorldTrips Atlas America |
| Seniors 70–79 | WorldTrips Atlas America |
| Budget-conscious buyers | Trawick Safe Travels USA |
| Pre-existing conditions (under 70) | All three plans tied |
| Pre-existing conditions (70–79) | WorldTrips Atlas America |
| Maximum possible protection | WorldTrips Atlas America |
| Families with children | IMG Patriot America Plus |
How to Get Covered in Minutes
Enter Your Details
Enter the traveler's date of birth, travel dates, and destination. No personal information or account required — just basic trip details.
Compare Live Plans
See real-time pricing from IMG, WorldTrips, and Trawick side-by-side. Filter by deductible, coverage limit, or price. Read full benefit details.
Buy & Get Covered Instantly
Complete your purchase online in minutes. Policy documents and insurance ID cards are emailed immediately — coverage starts your selected start date.
Get an Instant Quote for Indians
Compare IMG, WorldTrips, and Trawick live. Enter the traveler's date of birth and trip dates — no account needed. Coverage can start today.
Compare Plans — 🇮🇳 India →Frequently Asked Questions — Indians Visiting the USA
Can I buy visitor insurance for my parents visiting from India?
Yes — this is the most common purchase we process. You can buy a plan for your parents online in minutes, even before they travel. Plans are available for travelers up to age 99, and most options include coverage for the acute onset of pre-existing conditions like diabetes and hypertension — critical for Indian parents visiting on a B-2 visa.
Do Indian visitors need travel insurance for a US visa?
Visitor insurance is not mandatory for a B-1/B-2 tourist visa, but US consulates strongly advise it. For J-1 and F-1 visa holders, insurance meeting specific coverage minimums is required by law. Providing proof of insurance with your B-2 application can also strengthen your case by demonstrating financial responsibility.
What does 'acute onset of pre-existing conditions' coverage mean?
If your parent has a known condition like diabetes, hypertension, or heart disease, and they suffer a sudden unexpected emergency related to it — like a heart attack or diabetic crisis — the plan can cover that emergency treatment. Routine follow-up care or elective procedures are not covered. This benefit is essential for most Indian parents visiting the USA.
How much does visitor insurance cost for Indian visitors?
Plans start from about $1.10–$2.00 per day. A healthy adult under 60 visiting for 30 days typically pays $35–$80. Seniors over 70 or those requesting pre-existing condition coverage will see higher rates. Get an exact personalized quote instantly — no personal information required.
Which visitor insurance plan is best for Indian parents visiting the USA?
For most Indian parents, we recommend IMG Patriot America Plus for its acute onset pre-existing condition coverage and A-rated carrier status. For seniors with serious cardiac history, WorldTrips Atlas America offers up to $2,000,000 in coverage. Trawick Safe Travels USA Comprehensive is a strong value option. Compare all three side-by-side with our free quote tool.
Does visitor insurance cover hospitalization in the USA?
Yes — all our plans cover inpatient hospitalization including room and board, physician fees, surgery, and intensive care. This is the most critical coverage for Indian visitors, since a single US hospital night averages $11,700. We recommend plans with $100,000 or higher coverage limits, especially for elderly parents.
Can visitor insurance be extended if my parents stay longer than planned?
Yes — most plans are renewable online before the policy expires, as long as no claim has been filed and the traveler has not been hospitalized. Simply log in to the insurer's portal or call customer service to request an extension. We recommend extending at least 5–7 days before the expiration date.
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Written by Ty Taylor, TX #2608479TX · Tower Hill Travel Insurance · Updated May 2026