IMG Patriot America Plus
Best overall for Filipinos. 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
PhilHealth Has No Coverage Outside the Philippines
PhilHealth (Philippine Health Insurance Corporation) funds domestic inpatient and outpatient care inside the Philippines — it provides no coverage once you leave the country. The Philippines and the United States have no bilateral healthcare agreement. A US emergency room visit averages $3,100; one night of hospitalisation costs $11,700 on average. With 4.2 million Filipino-Americans in California, Nevada, Hawaii, and Texas, parents visiting on B-2 visas are especially vulnerable — a single respiratory admission or hip fracture can generate bills exceeding ₱2 million, with no PhilHealth offset whatsoever.
The Philippines sends one of the largest populations of visitors to the USA. Filipino-Americans often sponsor parents and relatives who arrive without any US-valid health coverage.
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 Filipinos 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 Filipinos
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 — 🇵🇭 Philippines →Frequently Asked Questions — Filipinos Visiting the USA
Can I buy insurance for my parents or relatives visiting from the Philippines?
Yes — you can purchase a plan online on behalf of family members visiting from the Philippines. This is one of the most common purchases we handle. Coverage begins as early as the day of travel, and policy documents are delivered by email immediately after purchase. Plans cover travelers up to age 99.
Does PhilHealth cover medical treatment in the USA?
No. PhilHealth (Philippine Health Insurance Corporation) provides coverage only within the Philippines at accredited domestic facilities. It has zero coverage for any medical treatment received in the United States. The Philippines and USA have no bilateral healthcare agreement, leaving Filipino visitors fully responsible for all US medical costs without dedicated visitor insurance.
Are there plans that cover pre-existing conditions like hypertension or diabetes?
Yes. Most of our plans include coverage for the acute onset of pre-existing conditions — meaning a sudden, unexpected medical emergency related to a known condition (like a hypertensive crisis or diabetic emergency) can be covered. Routine management or elective procedures are not included. This is especially critical for older Filipino parents visiting on B-2 visas who commonly have managed conditions.
How much does visitor insurance cost for Filipinos visiting the USA?
Plans typically start around $1.10–$2.00 per day depending on age, coverage amount, and deductible. A 30-day plan for a healthy adult under 60 is usually $35–$80. Seniors over 70 and those with pre-existing conditions will see higher rates. Get an exact personalized quote instantly — no personal information required.
Which visitor insurance plan is best for Filipino parents visiting the USA?
For most Filipino parents, IMG Patriot America Plus is our top recommendation — it includes acute onset pre-existing condition coverage, is A-rated, and widely accepted by US hospitals. Trawick Safe Travels USA Comprehensive offers strong value. For seniors with serious health history, WorldTrips Atlas America provides coverage up to $2,000,000.
Do Filipino visitors need a US visa?
Yes — Filipino citizens must obtain a B-1/B-2 visitor visa from a US Embassy or Consulate before traveling. Proof of visitor insurance can strengthen your application by demonstrating financial responsibility, as consular officers want to see that you can handle unexpected medical expenses — your PhilHealth provides zero US coverage.
Can visitor insurance be extended if the trip is extended?
Yes — most plans allow online extensions before the policy expires, as long as no claim has been filed and the traveler has not been hospitalized. Renew through the insurer's portal or by phone. We recommend extending at least 5–7 days before the current expiry date to avoid any coverage gap.
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Written by Ty Taylor, TX #2608479TX · Tower Hill Travel Insurance · Updated May 2026