Visitor Insurance for Colombians Visiting Miami, Florida
Miami is the capital of the Colombian diaspora in the US — over 300,000 Colombians call Miami-Dade County home. Direct flights from Bogotá, Medellín, and Cali make it the most visited US city by Colombians. EPS and Colombian private insurance stop at the border.
Why Colombians Visiting Florida Need Insurance
Why Colombians Come to Florida
Family Visits
Miami-Dade has 300,000+ Colombian-born residents. Brickell, Doral, and Weston are heavily Colombian neighborhoods attracting constant family visits.
Shopping & Real Estate
Miami is one of the top destinations for Colombian luxury shopping, real estate investment, and banking.
University Students
FIU, UM, and other Miami universities have significant Colombian student populations. Parents visit for graduation.
Beach Tourism
Miami Beach, Sunny Isles, and Fort Lauderdale are top vacation spots for Colombian families.
Business & Investment
Miami is the US headquarters for dozens of Colombian companies. B1/B2 business travel is frequent and high-volume.
Cultural Events
Calle Ocho Festival, Colombian Independence Day, and other Latin cultural events draw Colombians from across the US and from Colombia.
⚠️ Your Home Insurance Doesn't Cover the US
Colombia's EPS (Entidad Promotora de Salud) system — whether Sura, Compensar, Sanitas, or Famisanar — has zero US coverage. Colombian private insurance plans from AXA Colombia, Seguros Bolívar, or SURA also lack US hospital network agreements and direct billing capabilities. Any care in Miami is entirely uninsured without a US visitors policy.
Community in Florida:
300,000+
Colombians Americans in the US
Visa Types — Coverage Requirements
Colombians visiting Miami typically enter on one of these visa types. Each has different insurance implications.
B1/B2 tourist visa
US health insurance is not included with this visa. Visitors insurance must be purchased separately.
E-2 investor visa
US health insurance is not included with this visa. Visitors insurance must be purchased separately.
L-1 intracompany transfer visa
US health insurance is not included with this visa. Visitors insurance must be purchased separately.
O-1 extraordinary ability visa
US health insurance is not included with this visa. Visitors insurance must be purchased separately.
Top Hospital for Colombians in Florida
Jackson Memorial Hospital / Bascom Palmer Eye Institute
Miami, Florida
Jackson Memorial is Miami's largest hospital and Level 1 trauma center. Bascom Palmer is ranked #1 eye hospital in the US — a significant medical tourism destination for Colombians with eye conditions. Emergency care averages $4,000–$10,000. All Tower Hill plans accepted.
Best Plans for Colombians Visiting Florida
All plans available from Tower Hill — Licensed in Texas (#2608479TX). Compare IMG, Trawick, and WorldTrips for visitors to Miami and all of Florida.
Visitors Care (IMG)
Coverage
Up to $100,000
Price
From $1.50/day
Pre-Existing
Acute onset covered
Best For
Budget-conscious visitors
Patriot America Plus (IMG)
Coverage
Up to $1,000,000
Price
From $2.20/day
Pre-Existing
Acute onset covered
Best For
Most visitors — best value
Safe Travels USA (Trawick)
Coverage
Up to $150,000
Price
From $1.80/day
Pre-Existing
Acute onset covered
Best For
Short trips under 90 days
Atlas America (WorldTrips)
Coverage
Up to $2,000,000
Price
From $2.50/day
Pre-Existing
Acute onset covered
Best For
Senior visitors 60+
| Plan | Max Coverage | Price | Pre-Existing | Best For |
|---|---|---|---|---|
Visitors Care (IMG) | Up to $100,000 | From $1.50/day | Acute onset covered | Budget-conscious visitors |
Patriot America Plus (IMG) Most Popular | Up to $1,000,000 | From $2.20/day | Acute onset covered | Most visitors — best value |
Safe Travels USA (Trawick) | Up to $150,000 | From $1.80/day | Acute onset covered | Short trips under 90 days |
Atlas America (WorldTrips) | Up to $2,000,000 | From $2.50/day | Acute onset covered | Senior visitors 60+ |
Frequently Asked Questions — Colombians in Florida
I have Colombian Sura EPS. Does that cover me in Miami?
No. Sura EPS — like all Colombian EPS plans — is a Colombian domestic plan with zero US coverage. The US is explicitly excluded. Any medical care in Miami is entirely your financial responsibility without a US visitors insurance policy.
My family flies Bogotá to Miami regularly. Do we need insurance every trip?
Yes — every trip to the US requires its own visitors insurance policy. Coverage doesn't carry over between trips. The good news: for regular travelers, you can purchase a policy online in 5 minutes for each trip. Multi-trip annual plans are not available for visitors insurance to the US, so each visit is a separate policy.
How much does visitors insurance cost for Colombians visiting Miami?
For a Colombian national in their 40s, a 30-day plan with $100,000 coverage and $250 deductible costs $33–$52. For their 50s, $45–$72. For their 60s, $72–$118. Miami healthcare is expensive — we recommend $250,000 coverage for anyone over 55.
My elderly Colombian parents are visiting Doral to see grandchildren. They have high blood pressure. Do they qualify?
Yes — visitors insurance pricing is age-based, not health-based. High blood pressure does not affect eligibility or premium. What matters: if your parent has an acute hypertensive emergency in Doral, that's covered as an acute onset of a pre-existing condition (up to the full policy maximum on most major plans for travelers under age 70). Routine blood pressure checkups and prescriptions are not covered.
Is Miami Doral fully covered the same as downtown Miami?
Yes. Visitors insurance covers anywhere in the US — Doral, Brickell, Miami Beach, all of Florida, all US states — under one policy. There are no geographic restrictions within the US.
Protect Your Family in Florida
Get an instant quote from IMG, Trawick, or WorldTrips. Coverage from $1.50/day. Tower Hill is licensed in Texas (#2608479TX) and has insured 60,000+ travelers.
Licensed Texas Agency #2608479TX • support@towerhillcorp.com • Mon–Fri 9AM–6PM CST