One of the most common questions about visitor insurance is simply: how much does it cost? The answer depends on several factors — most importantly age, coverage amount, and deductible. This guide gives you real price ranges for 2026, organized by age group, so you can budget accurately before you buy.
Quick Answer
Visitor insurance costs $2–$15 per day depending on age, coverage amount, and deductible. A 60-day policy for a 60-year-old with $100,000 coverage and a $250 deductible typically costs $120–$250. Older travelers and higher coverage limits cost more.
What Factors Affect Visitor Insurance Costs?
Four main variables determine your visitor insurance premium:
- Age: The single biggest factor. Insurance for a 30-year-old might cost $3/day; for a 75-year-old, $12–$20/day for the same coverage.
- Coverage maximum: $50,000 plans cost less than $500,000 or $1,000,000 plans. We recommend at least $100,000 for any visitor to the USA.
- Deductible: Choosing a $0 deductible costs more than a $1,000 deductible. For older parents, a $0 deductible is often worth the premium difference.
- Duration: Longer trips cost more overall but not significantly more per day (rates are per-day pricing).
Visitor Insurance Cost by Age — 2026 Rate Table
Estimates for a 30-day policy visiting the USA with $100,000 coverage:
| Age | $0 Deductible | $250 Deductible | $1,000 Deductible |
|---|---|---|---|
| Under 30 | $60–$90 | $45–$70 | $30–$50 |
| 30–39 | $75–$110 | $55–$85 | $40–$60 |
| 40–49 | $100–$150 | $75–$120 | $55–$85 |
| 50–59 | $140–$210 | $110–$175 | $80–$130 |
| 60–69 | $200–$300 | $155–$245 | $110–$175 |
| 70–74 | $280–$420 | $215–$340 | $155–$240 |
| 75–79 | $380–$580 | $290–$460 | $200–$320 |
* Estimates based on IMG Patriot America Plus and WorldTrips Atlas America 2026 rates. Actual quotes may vary.
How Coverage Amount Affects Cost
Here's how coverage maximum affects premiums for a 60-year-old on a 30-day policy with a $250 deductible:
| Coverage Maximum | Estimated 30-Day Cost |
|---|---|
| $50,000 | $100–$150 |
| $100,000 | $155–$245 |
| $500,000 | $210–$320 |
| $1,000,000 | $240–$360 |
Recommendation: Don't Skimp on Coverage
The difference between a $100,000 and a $500,000 policy is often only $50–$100 over a month. But the difference in protection is enormous. A single cardiac event can cost $200,000. We recommend at least $100,000 for anyone; $500,000+ for visitors over 60 or with health conditions.
Cost by Duration
Rates are priced per day, so longer policies simply multiply. For a 60-year-old with $100,000 coverage and $250 deductible:
| Duration | Estimated Cost |
|---|---|
| 15 days | $75–$120 |
| 30 days | $155–$245 |
| 60 days | $310–$490 |
| 90 days | $460–$730 |
| 6 months | $930–$1,470 |
Is Visitor Insurance Worth the Cost?
Consider that a single US emergency room visit averages $3,000–$10,000. A hospitalization for a serious condition averages $30,000–$200,000. A visitor insurance policy for a 60-year-old on a 60-day trip costs roughly $300–$500. The math is simple: the premium is a fraction of even a minor medical event.
For older visitors and those with pre-existing conditions, visitor insurance isn't just recommended — it's essential.
Frequently Asked Questions
Is there a minimum coverage I should buy?
We recommend a minimum of $100,000 in medical coverage for any visitor to the USA. For visitors over 60 or with pre-existing conditions, $500,000 is strongly recommended. A single hospitalization can easily exceed $100,000.
Does the deductible apply per visit or per policy period?
Most visitor insurance plans have a per-occurrence or per-policy-period deductible. Check the policy certificate. Per-occurrence means the deductible applies to each separate medical event, which can add up for multiple incidents.
Are there cheaper options than the plans listed here?
Fixed benefit plans (also called scheduled benefit plans) are cheaper but pay out a fixed dollar amount per service — often much less than actual US costs. Comprehensive plans cost more but cover actual billed charges up to the benefit maximum. For visiting the USA, comprehensive plans are almost always worth the extra cost.
Can seniors over 80 get visitor insurance?
Some plans cover visitors up to age 99, but options become more limited above age 79. Premiums are higher, and coverage maximums may be capped lower. Ask Tower Hill about senior-specific plans for visitors over 80.
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