Buy Visitor Insurance for Chileans Visiting the USA
Fonasa / Isapres provides zero coverage for medical treatment in the United States. A single ER visit costs $3,100. A hospital night averages $11,700. Protect yourself before you fly.
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Licensed Travel Insurance Advisor · TX #2608479TX
Published May 2026 · 6 min read
$3,100
Average ER visit
$11,700
Hospital night
$50K+
Medical evacuation
Why Chileans Need Visitor Insurance in the USA
Chile has one of the best healthcare systems in South America — but Fonasa and Isapres are Chile-only. In the USA, Chileans are uninsured by default. A US ER visit averages $3,100; a 5-day hospital stay can exceed $60,000.
The US has no universal healthcare — foreigners are billed at private rates regardless of nationality. There is no reciprocal healthcare agreement between Chile and the United States. Without a dedicated visitor insurance plan, you pay every dollar out of pocket.
Chileans Most Often Visit
Best Visitor Insurance Plans for Chileans (2026)
IMG Patriot America Plus
$30–$75/moBest all-around plan for visitors. Covers emergency medical, acute onset pre-existing conditions, and 24/7 assistance.
- Emergency medical & hospitalization
- Acute onset of pre-existing conditions
- Emergency evacuation up to $500,000
- Prescription drugs covered
- 24/7 multilingual assistance
Trawick Safe Travels USA Comprehensive
$35–$90/moThe most complete US visitor plan — adds trip interruption, baggage, and higher acute onset limits.
- Trip interruption & baggage loss
- Higher acute onset limits
- Direct billing to US hospitals
- Cancel for any reason (optional)
- Coverage from day 1
WorldTrips Atlas America
$28–$80/moIndustry-leading $2M coverage ceiling — the right choice for anyone who wants maximum protection.
- Industry-leading $2M coverage limit
- Emergency evacuation up to $1,000,000
- Flexible deductibles ($0–$2,500)
- Acute onset of pre-existing conditions
- Coverage in 180+ countries
Chileans visiting the USA most often choose IMG Patriot America Plus or WorldTrips Atlas America. The right plan depends on your age and whether you have a pre-existing condition. Aria can compare both in under 60 seconds based on your specific situation.
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B-2 Visa Tip for Chileans
Chilean nationals require a B-2 visa for US travel. Visitor insurance can support your visa application by showing you have financial protection in place for the trip.
What US Visitor Insurance Covers
- Emergency medical treatment — ER visits, hospitalization, surgery, and doctor visits
- Acute onset of pre-existing conditions — sudden emergencies related to known conditions (heart attack, diabetic crisis, severe asthma)
- Emergency medical evacuation — transport to the nearest qualified hospital or repatriation to Chile; minimum $250,000 recommended
- Prescription drugs — medications prescribed during a covered illness or injury
- Accidental death & dismemberment — benefit paid to beneficiaries in the event of accidental death
- Repatriation of remains — cost of returning remains to Chile in the event of death abroad
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Compare Plans & Buy NowTower Hill Travel Insurance · Licensed · TX #2608479TX
Frequently Asked Questions
Does Fonasa / Isapres cover medical treatment in the USA?
No. Fonasa / Isapres is a domestic health system — it provides zero coverage for any medical treatment received in the United States. The US has no reciprocal healthcare agreement with Chile. Without a dedicated US visitor insurance plan, you are personally responsible for the full cost of any medical care — including emergency room visits, hospitalization, surgery, and ambulance services.
How much does visitor insurance cost for Chileans visiting the USA?
Visitor insurance for Chileans typically costs $30–$90 per month depending on age, coverage limit, and deductible. A healthy traveler under 50 with $100,000 coverage and a $250 deductible usually pays $30–$50/month. Travelers over 65 or those choosing a $0 deductible will pay more. All plans are available online with instant confirmation — no waiting for approval.
Do I need a visa to visit the USA from Chile?
Chilean nationals require a B-2 visa for US travel. Visitor insurance can support your visa application by showing you have financial protection in place for the trip. Chile nationals must obtain a B-1/B-2 visitor visa from the US Embassy or a US Consulate before traveling. Visitor insurance is not a legal requirement for the visa, but it is strongly recommended to include in your financial documentation.
Can I buy visitor insurance after arriving in the USA?
Yes — you can purchase visitor insurance after you arrive in the USA. However, plans purchased after arrival typically have a 24–72 hour waiting period before illness coverage begins, and a longer waiting period (sometimes 14 days) for acute onset pre-existing condition coverage. Buying before you depart from Chile avoids all waiting periods and is strongly recommended.
What does US visitor insurance cover?
A US visitor insurance plan covers: emergency medical treatment and hospitalization, doctor visits for unexpected illness or injury, emergency medical evacuation (transport to the nearest hospital or back to Chile), prescription drugs related to a covered illness, accidental death and dismemberment, and acute onset of pre-existing conditions. Optional upgrades may add trip interruption, baggage loss, and more.
Which visitor insurance plan is best for Chileans?
For most Chileans visiting the USA, we recommend IMG Patriot America Plus for its balance of price and coverage. If you have a pre-existing condition and want maximum protection, Trawick Safe Travels USA Comprehensive has higher acute onset limits. If you want the highest possible medical coverage ceiling ($2 million), choose WorldTrips Atlas America. All three are available through Tower Hill Travel Insurance — compare plans and buy online in minutes.
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