Visitor Insurance for Guatemalans Visiting the United States
Over 1.5 million Guatemalan Americans live across the US — concentrated in California (Los Angeles), Texas (Houston), Florida (Palm Beach, Immokalee), and New York (Queens). B1/B2 tourist visitors from Guatemala City and Quetzaltenango need US visitors insurance — Guatemalan IGSS and private plans have zero US coverage.
Why Guatemalans Visiting the United States Need Insurance
Why Guatemalans Come to the United States
Family Visits
1.5 million Guatemalan Americans are spread across California, Texas, and Florida. B1/B2 visa family visit traffic from Guatemala is consistent year-round.
Business & Trade
The US is Guatemala's largest trading partner. Business travel from Guatemala City to Houston, Miami, and Los Angeles is frequent.
Agricultural Communities
Guatemalan agricultural workers in Florida (Immokalee), California (Central Valley), and Georgia have family members visiting from Guatemala who need insurance.
University Events
Guatemalan students at US universities — particularly in Texas and California — receive parents as visitors for graduations and family weekends.
Medical Tourism
Guatemala City-to-Houston flights connect Guatemalans to MD Anderson and Texas Medical Center for specialized cancer and cardiac care.
Cultural & Religious Events
Guatemalan communities in Los Angeles, Houston, and Chicago celebrate Independence Day (September 15) with large festivals attracting visitors from Guatemala.
⚠️ Your Home Insurance Doesn't Cover the US
Guatemalan IGSS (Instituto Guatemalteco de Seguridad Social) is a domestic social security program with zero international coverage. Guatemalan private insurance — GTS (Guatemalan Transport Security), Seguros G&T, Aseguradora General — operates domestic networks in Guatemala City only. International coverage for the US is not included in any standard Guatemalan health plan. Any medical care at a Houston, LA, or Miami hospital is entirely out of pocket without US visitors insurance.
Community in the United States:
1.5 million
Guatemalans Americans in the US
Visa Types — Coverage Requirements
Guatemalans visiting Houston, Los Angeles & 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.
TN visa (CAFTA professionals)
US health insurance is not included with this visa. Visitors insurance must be purchased separately.
F-1 student 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 Guatemalans in the United States
Memorial Hermann / Houston Methodist Hospital
Houston, TX, the United States
Houston has the largest Guatemalan community in Texas. Memorial Hermann Texas Medical Center and Houston Methodist are the primary hospitals for Guatemalan visitors. ER visits average $3,500–$9,000. Both have Spanish-language services. Tower Hill plans accepted.
Best Plans for Guatemalans Visiting the United States
All plans available from Tower Hill — Licensed in Texas (#2608479TX). Compare IMG, Trawick, and WorldTrips for visitors to Houston, Los Angeles & Miami and all of the United States.
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 — Guatemalans in the United States
I have Seguros G&T health insurance from Guatemala. Does that cover me in the US?
No. Guatemalan private insurance plans including Seguros G&T, Aseguradora General, and Guatemalan IGSS are domestic plans with zero US coverage. Any care in Houston, Los Angeles, or Miami is entirely your financial responsibility without US visitors insurance.
My Guatemalan parents have a B1/B2 visa. How long can I insure them?
Visitors insurance is available for any duration — 5 days to 364 days — matching your B1/B2 visa stay. For parents with a 6-month B1/B2 stay, we recommend a 180-day policy. You can also purchase for shorter stays and extend if needed.
How much does visitors insurance cost for Guatemalans visiting the US?
For a Guatemalan visitor in their 40s, a 30-day plan with $100,000 coverage costs approximately $30–$50. For a 60-year-old, $65–$110. For a 70-year-old, $115–$185. Houston and LA healthcare is expensive — we recommend $250,000 coverage for anyone over 55.
My Guatemalan relatives are visiting Houston. They don't speak much English. Is there Spanish support?
Yes. All three major plans (IMG, Trawick, WorldTrips) provide 24/7 Spanish-language assistance. Houston hospitals also have strong Spanish-language services — Houston Methodist, Memorial Hermann, and Ben Taub have Spanish-speaking staff in emergency departments.
Can I purchase visitors insurance for my family while they're already in Guatemala, before they travel?
Yes — and you should. Purchase the policy before departure from Guatemala so coverage starts on arrival in the US. Purchasing after arrival can create coverage gaps and some plans have waiting periods if purchased after travel begins.
My Guatemalan relative visiting Houston has a heart condition. Does pre-existing affect their eligibility?
Visitors insurance is not subject to health underwriting — pre-existing conditions like heart disease do not affect eligibility or price. Routine cardiac care and ongoing prescriptions are not covered. However, if they experience an acute cardiac event (heart attack, emergency) during their US visit, that's covered as acute onset of pre-existing condition up to the full policy maximum for travelers under age 70.
Protect Your Family in the United States
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