IMG Patriot America Plus
Best overall for Vietnamese nationals. 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
Vietnam's BHYT Has No Coverage Outside Vietnam
Vietnam's statutory health insurance (Bảo hiểm y tế / BHYT) covers treatment at contracted Vietnamese health facilities only — it carries zero claims authority outside Vietnam. Vietnam and the United States have no bilateral healthcare agreement. A US ER visit averages $3,100; short-term hospitalisation commonly runs $35,000–$100,000. With 2.1 million Vietnamese-Americans in California, Texas, and Virginia, parents visiting on a B-2 visa face enormous financial risk: a single cardiac event or stroke can produce US bills exceeding ₫2.5 billion with no BHYT reimbursement.
The Vietnamese-American community is one of the largest Asian diaspora groups in the USA, and family visits from Vietnam to the US are extremely common — often without any 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 Vietnamese nationals 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 Vietnamese nationals
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 — 🇻🇳 Vietnam →Frequently Asked Questions — Vietnamese nationals Visiting the USA
Does Vietnam's BHYT (Bảo hiểm y tế) cover medical care in the USA?
No. Vietnam's BHYT (health insurance card) only covers treatment at contracted Vietnamese healthcare facilities — it provides zero coverage in the United States. Vietnam and the USA have no bilateral healthcare agreement. Any US medical treatment is entirely your personal financial responsibility without dedicated visitor insurance. An ER visit alone averages $3,100; hospitalization commonly runs $35,000–$100,000.
Can I buy visitor insurance for my Vietnamese parents visiting the USA?
Yes — this is one of the most common purchases we handle for the Vietnamese-American community. You can purchase a plan on behalf of parents or family members before or after they arrive. Plans cover travelers up to age 99 and most include acute onset coverage for conditions like hypertension, diabetes, and heart disease — essential for older Vietnamese visitors.
What visitor insurance is best for Vietnamese visitors to the USA?
For Vietnamese visitors, we recommend IMG Patriot America Plus for A-rated coverage and acute onset pre-existing condition protection. Trawick Safe Travels USA Comprehensive is a strong value option. For Vietnamese seniors with cardiac history or kidney disease, WorldTrips Atlas America provides up to $2,000,000 in coverage. All plans can be purchased online in minutes.
Do Vietnamese citizens need a visa to visit the USA?
Yes — Vietnamese citizens must obtain a B-1/B-2 visitor visa from a US Embassy or Consulate before traveling. When applying at the US Embassy in Hanoi or Ho Chi Minh City, including proof of visitor insurance can strengthen your application by demonstrating financial preparedness — BHYT provides zero US coverage, and consular officers want to see you can handle potential medical costs.
How much does visitor insurance cost for Vietnamese visitors?
Plans typically start around $1.10–$2.00 per day. A healthy Vietnamese adult under 60 visiting for 30 days usually pays $35–$80. Seniors over 70 will see higher rates. The cost is minimal compared to the financial risk — a single US hospitalization can exceed ₫2.5 billion in charges with zero BHYT reimbursement.
Does visitor insurance cover pre-existing conditions for Vietnamese visitors?
Most plans include acute onset coverage — if you have a managed condition like hypertension, diabetes, or heart disease and suffer a sudden unexpected emergency related to it, that emergency can be covered. Routine treatment or medication maintenance for stable conditions is not included. This is critical for older Vietnamese parents commonly visiting from Ho Chi Minh City, Hanoi, or Da Nang.
How quickly can I get coverage for a Vietnamese family member visiting the USA?
Coverage can be active within minutes. Complete the quote form online, choose a plan, and receive your policy documents and insurance ID card instantly by email. For accidents, coverage begins immediately. For illnesses, a 24–72 hour waiting period typically applies — another reason to purchase before your family member boards the plane.
Related Guides for Vietnamese nationals
Written by Ty Taylor, TX #2608479TX · Tower Hill Travel Insurance · Updated May 2026