IMG Patriot America Plus
Best overall for Pakistanis. 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
Pakistani Health Coverage Does Not Extend to the USA
Pakistan's Sehat Sahulat Programme (Sehat Card) provides inpatient coverage at enrolled Pakistani hospitals only — it has no reimbursement authority in the United States. Pakistan and the US have no bilateral healthcare agreement. A US ER visit averages $3,100; hospitalisation averages $11,700 per night. With 554,000+ Pakistani-Americans in New York, Texas, and California, parents visiting on a B-2 visa are especially vulnerable — one cardiac admission or diabetic emergency in the US can exceed ₨8.6 million with zero Sehat Card offset.
The Pakistani-American community is one of the largest South Asian diaspora groups in the USA, and family visits without insurance coverage are a leading cause of unexpected financial hardship.
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 Pakistanis 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
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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 — 🇵🇰 Pakistan →Frequently Asked Questions — Pakistanis Visiting the USA
Can I buy visitor insurance for my Pakistani parents visiting the USA?
Yes — this is extremely common in the Pakistani-American community. You can purchase a plan on behalf of parents or family members before or after they arrive. Plans cover all ages up to 99 and most include acute onset coverage for conditions like diabetes, hypertension, and cardiac disease — essential for older Pakistani visitors who commonly have these managed conditions.
Does Pakistan's Sehat Card or private insurance cover treatment in the USA?
No. Pakistan's Sehat Sahulat Programme (Sehat Card) covers inpatient care only at enrolled Pakistani hospitals. Private Pakistani HMOs similarly have zero US coverage. Pakistan and the USA have no bilateral healthcare agreement. Without dedicated visitor insurance, all US medical costs are entirely out-of-pocket — an ER visit alone can cost PKR 700,000+, and hospitalization can exceed PKR 10 million.
What does visitor insurance for Pakistanis in the USA cover?
Plans cover emergency medical treatment, hospitalization, surgery, prescription drugs, and emergency medical evacuation. Most include acute onset coverage for sudden flare-ups of known pre-existing conditions. Some plans also include trip interruption coverage. Coverage starts as low as $50,000 and goes up to $2,000,000 — we recommend at least $100,000 for US visits.
Is visitor insurance required for a B-2 visa application from Pakistan?
It is not a formal requirement, but it is strongly recommended by US consulates. Including proof of visitor insurance with your B-2 visa application demonstrates financial responsibility and can strengthen your application. US medical bills can exceed PKR 10 million for a single hospitalization — presenting evidence that you're covered for this risk reduces consular concerns.
Which visitor insurance plan is best for Pakistani visitors?
For most Pakistani visitors, IMG Patriot America Plus is the top choice — A-rated, comprehensive, and includes acute onset pre-existing condition coverage. Trawick Safe Travels USA Comprehensive offers strong value for healthy adults. For Pakistani seniors or those with heart disease or kidney conditions, WorldTrips Atlas America provides up to $2,000,000 in coverage.
How much does visitor insurance cost for Pakistani visitors?
Plans typically start around $1.10–$2.00 per day. A healthy Pakistani adult under 60 visiting for 30 days usually pays $35–$80. Seniors over 70 will see higher rates. For context, a single night in a US hospital costs more than most monthly visitor insurance premiums — the coverage pays for itself with a single doctor visit.
Can I extend the insurance if my parents stay longer than planned?
Yes — most plans can be renewed online before expiry as long as no claim has been filed and the insured has not been hospitalized. Simply extend through the insurer's online portal or call customer service. We recommend extending at least 5–7 days before the current policy expires to avoid any coverage gap.
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Written by Ty Taylor, TX #2608479TX · Tower Hill Travel Insurance · Updated May 2026