Planning a 6 Months (180 Days) visit to the USA? Visitor insurance for a 6 Months (180 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 6 Months (180 Days) Visitor Insurance Cost?
Premiums are based on three main factors: age, coverage amount, and deductible. Here are representative estimates for a 6 Months (180 Days) policy with $500,000 in coverage:
| Age | $0 Deductible | $250 Deductible | $1,000 Deductible |
|---|---|---|---|
| Under 40 | $385–$545 | $270–$385 | $175–$270 |
| 40–55 | $715–$1,020 | $500–$715 | $325–$510 |
| 56–65 | $1,110–$1,550 | $780–$1,110 | $510–$750 |
| 66–75 | $1,880–$2,635 | $1,320–$1,855 | $870–$1,255 |
Estimates for $500,000 maximum benefit. Actual premiums vary by carrier and specific plan selection.
Plan Recommendations for 6 Months (180 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 180-day visits.
WorldTrips
Atlas America
Best for Older TravelersUp to $2M in coverage, available up to age 99. Strong for seniors visiting for 6 Months (180 Days). Competitive pricing with $0 deductible option.
Trawick International
Safe Travels USA Comprehensive
Best ValueSolid mid-range option for 6 Months (180 Days) visits. Good balance of coverage and price, especially for travelers 40–65.
B-1/B-2 6-Month Stays
The standard B-1/B-2 tourist/visitor visa allows US Customs to grant a stay of up to 6 months (180 days). Many parents use the full 6-month authorization to spend extended time with family. A 180-day visitor insurance policy is the ideal coverage for this full duration.
Cost-Per-Day Analysis
A 6-month policy costs slightly less per day than a series of monthly renewals. For a 65-year-old with $500,000 coverage, a 6-month policy averages roughly $6.50–$8.60/day compared to $7.00–$9.00/day via monthly renewals. The savings are modest but consistent.
Frequently Asked Questions
Can parents on B-1/B-2 visa get 6-month visitor insurance?▾
Should I buy 6 months at once or renew monthly?▾
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Compare Plans →Related: 90-Day Guide · 1-Year Guide · Compare Plans