Planning a 90 Days visit to the USA? Visitor insurance for a 90 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 90 Days Visitor Insurance Cost?
Premiums are based on three main factors: age, coverage amount, and deductible. Here are representative estimates for a 90 Days policy with $500,000 in coverage:
| Age | $0 Deductible | $250 Deductible | $1,000 Deductible |
|---|---|---|---|
| Under 40 | $195–$275 | $135–$200 | $90–$140 |
| 40–55 | $360–$515 | $255–$365 | $165–$260 |
| 56–65 | $560–$780 | $395–$560 | $260–$380 |
| 66–75 | $950–$1,330 | $665–$935 | $440–$635 |
Estimates for $500,000 maximum benefit. Actual premiums vary by carrier and specific plan selection.
Plan Recommendations for 90 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 90-day visits.
WorldTrips
Atlas America
Best for Older TravelersUp to $2M in coverage, available up to age 99. Strong for seniors visiting for 90 Days. Competitive pricing with $0 deductible option.
Trawick International
Safe Travels USA Comprehensive
Best ValueSolid mid-range option for 90 Days visits. Good balance of coverage and price, especially for travelers 40–65.
90-Day B-1/B-2 Visa Maximum Stay
Under the US Visa Waiver Program (ESTA), visitors are permitted to stay up to 90 days. For B-1/B-2 visa holders, the authorized stay is determined at the port of entry (typically 6 months). A 90-day insurance policy is the standard purchase for ESTA travelers and many B visa holders on short family visits.
Single Policy vs. Three Monthly Renewals
Buying a single 90-day policy is almost always simpler and slightly less expensive than renewing monthly. There is no coverage gap risk and no risk of forgetting to renew. Buy 90 days upfront when the trip duration is known.
Frequently Asked Questions
How much is visitor insurance for 3 months?▾
Can ESTA visitors get 90-day visitor insurance?▾
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Compare Plans →Related: 60-Day Guide · 6-Month Guide · Compare Plans