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 Visit Florida
Florida is home to approximately 300,000+ Colombian-born residents — one of the largest Colombian communities in the US. Every year, hundreds of thousands of Colombians visit Florida on B1/B2 tourist visa, E-2 investor visa, L-1 intracompany transfer visa, O-1 extraordinary ability visa visas to see family, receive medical care, and attend important life events. Most arrive without any understanding of what US healthcare actually costs.
Important: 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.
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.
What US Medical Bills Actually Look Like in Florida
Emergency Room Visit
$3,100–$8,000
Triage, exam, basic tests
One Night Hospitalization
$11,700–$22,000
Room, nursing, meals only
Cardiac Event Treatment
$75,000–$185,000
Catheterization, ICU, meds
Medical Evacuation Home
$95,000–$250,000
Air ambulance back to Colombia
Visa Types & Coverage Eligibility
B1/B2 tourist visa
Eligible for all visitors insurance plans from Tower Hill
E-2 investor visa
Eligible for all visitors insurance plans from Tower Hill
L-1 intracompany transfer visa
Eligible for all visitors insurance plans from Tower Hill
O-1 extraordinary ability visa
Eligible for all visitors insurance plans from Tower Hill
Visitors Insurance Cost for Colombians
Monthly premium estimates · $100,000 coverage · $250 deductible
| Age | 30 Days | 60 Days | 90 Days |
|---|---|---|---|
| 25–34 | $28–$42 | $55–$83 | $82–$124 |
| 35–44 | $33–$52 | $65–$103 | $98–$155 |
| 45–54 | $45–$72 | $89–$143 | $133–$215 |
| 55–64 | $72–$118 | $143–$235 | $215–$352 |
| 65–69 | $115–$188 | $229–$375 | $343–$562 |
| 70–74 | $165–$265 | $329–$529 | $493–$793 |
| 75–79 | $215–$355 | $429–$709 | $643–$1,063 |
Major Hospital: Jackson Memorial Hospital / Bascom Palmer Eye Institute, Miami
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.
All Tower Hill visitors insurance plans are accepted for emergency care at this facility.
Best Visitors Insurance Plans for Colombians in Florida
All three plans are accepted at any US hospital, purchased entirely online in minutes, and include emergency evacuation back to Colombia.
IMG Patriot America Plus
UHC PPO network
- ✓ Up to $1,000,000 coverage
- ✓ Acute onset pre-existing: $25K
- ✓ Emergency evacuation included
- ✓ Up to 364 days
Trawick Safe Travels USA Comprehensive
First Health PPO
- ✓ Up to $1,000,000 coverage
- ✓ Acute onset pre-existing: $100K
- ✓ Dental emergency included
- ✓ Telemedicine included
WorldTrips Atlas America
UnitedHealthcare PPO
- ✓ Up to $2,000,000 coverage
- ✓ $1M evacuation coverage
- ✓ Acute onset included
- ✓ Mental health coverage
Compare Plans Before You Visit Florida
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Frequently Asked Questions
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 $25K with IMG, $100K with Trawick). 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.