Planning a 1 Year (364 Days) visit to the USA? Visitor insurance for a 1 Year (364 Days) trip is straightforward to buy, but knowing what it costs by age — and which plan to choose — makes the process much easier. Here are the most current estimates and top plan recommendations.
How Much Does 1 Year (364 Days) Visitor Insurance Cost?
Premiums are based on three main factors: age, coverage amount, and deductible. Here are representative estimates for a 1 Year (364 Days) policy with $500,000 in coverage:
| Age | $0 Deductible | $250 Deductible | $1,000 Deductible |
|---|---|---|---|
| Under 40 | $755–$1,065 | $530–$755 | $345–$530 |
| 40–55 | $1,400–$2,000 | $980–$1,400 | $635–$980 |
| 56–65 | $2,175–$3,045 | $1,530–$2,175 | $1,000–$1,470 |
| 66–75 | $3,685–$5,160 | $2,590–$3,635 | $1,705–$2,460 |
Estimates for $500,000 maximum benefit. Actual premiums vary by carrier and specific plan selection.
Plan Recommendations for 1 Year (364 Days)
IMG
Patriot America Plus
Best ComprehensiveTop-rated comprehensive plan. Up to $1M in coverage, acute onset pre-existing conditions covered, wide US PPO network. Ideal for 364-day visits.
WorldTrips
Atlas America
Best for Older TravelersUp to $2M in coverage, available up to age 99. Strong for seniors visiting for 1 Year (364 Days). Competitive pricing with $0 deductible option.
Trawick International
Safe Travels USA Comprehensive
Best ValueSolid mid-range option for 1 Year (364 Days) visits. Good balance of coverage and price, especially for travelers 40–65.
Annual Policy Limitations
Most visitor insurance plans have a maximum duration of 364 days (just under 1 year). This is intentional — plans beyond 364 days would be classified as domestic health insurance under US regulatory frameworks. If your parent plans to stay over a year, they will need to purchase a new policy or explore other coverage options.
Is 1 Year the Right Choice?
A 364-day policy makes sense when your parent has a long-stay visa and will be in the US for most of the year. If there are planned trips back home during the year, check whether the plan covers international travel or if coverage pauses during time spent outside the US.
Frequently Asked Questions
Can I get 1 year of visitor insurance for parents?▾
What if my parent needs to stay longer than 1 year?▾
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Compare Plans →Related: 6-Month Guide · Compare Plans · Parents Guide