International business visitors to the USA — whether attending conferences, visiting partners, or on extended business assignments — need comprehensive visitor insurance. Corporate health plans from home countries almost universally fail to cover US medical costs adequately.
Quick Answer
Business visitors to the USA should carry at least $250,000 in medical coverage and $1M in evacuation coverage. IMG Patriot America Plus and WorldTrips Atlas America are the most popular choices for business travelers — both offer strong networks and fast claims processing.
Frequently Asked Questions
Does my home country employer's health insurance cover me in the USA?
Usually not adequately. Most international employer plans cap US medical coverage at $10,000–$50,000 — far less than a typical US hospitalization. A dedicated visitor insurance policy is essential.
Can I expense visitor insurance as a business travel cost?
Yes. Visitor insurance is a standard business travel expense and is generally tax-deductible as a business cost.
What's the best visitor insurance for short business trips (under 2 weeks)?
Trawick Safe Travels USA or WorldTrips Atlas America for short trips. Choose a $250 deductible and $250K–$500K coverage maximum. A 2-week policy for a healthy 40-year-old costs $40–$80.
Does visitor insurance cover business equipment or laptops?
No. Visitor insurance covers medical expenses only. For business equipment, a separate travel insurance policy with baggage/electronics coverage is needed.
Can a company buy visitor insurance for employees?
Yes. Companies can purchase visitor insurance for employees on business travel to the USA. Some carriers offer corporate accounts for easier management of multiple policies.
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