Visitor Insurance for Kathmandu Residents Visiting the USA (2026)
Nepal's health insurance has zero US coverage. For Nepal's growing diaspora community, visitor insurance for visiting family is a must.
Kathmandu is Nepal's capital and the primary departure point for Nepali nationals visiting the USA. Nepal's growing diaspora in cities like Dallas, Washington D.C., and New York drives significant travel from Kathmandu.
Nepal's Health Insurance Has No US Coverage
Nepal's Health Insurance Board (HIB) — operating under the Social Health Insurance Programme — covers enrolled members at empanelled facilities within Nepal only. It provides no coverage in the United States, and Nepal and the US have no bilateral healthcare agreement. A US ER visit averages $3,100; a single hospitalisation night runs $11,700. Nepali nationals visiting family in Texas, California, or the Northeast face complete financial exposure: one emergency admission can exceed NPR 4 million in out-of-pocket US costs.
Nepal's healthcare costs are a fraction of US costs — and Nepali coverage is completely irrelevant in America.
What US Medical Bills Actually Look Like
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 Flight
$95,000–$250,000
Air ambulance, medical crew
Best Visitor Insurance Plans for Kathmandu Residents
All three plans below are accepted at any US hospital and purchased 100% online. Coverage certificate arrives by email in minutes.
IMG Patriot America Plus
Largest US carrier network · UHC PPO
- ✓ Up to $1,000,000 coverage
- ✓ $0–$2,500 deductible options
- ✓ Acute onset pre-existing: $25K
- ✓ Emergency evacuation: $500K
- ✓ Available ages 14 days–99 yrs
- ✓ Multilingual 24/7 support
Best for: First-time visitors, families, tourists
WorldTrips Atlas America
Maximum coverage · Top evacuation benefit
- ✓ Up to $2,000,000 coverage
- ✓ $0–$5,000 deductible options
- ✓ Acute onset pre-existing: $50K
- ✓ Emergency evacuation: $1,000,000
- ✓ Available ages 14 days–99 yrs
- ✓ Flexible coverage periods
Best for: Seniors 65+, long stays, max protection
Trawick Safe Travels USA
Budget-friendly comprehensive · Telehealth included
- ✓ Up to $1,000,000 coverage
- ✓ $0–$5,000 deductible options
- ✓ Acute onset pre-existing: $20K
- ✓ Emergency evacuation: $500K
- ✓ Available ages 14 days–89 yrs
- ✓ Free telehealth included
Best for: Budget-conscious, short stays, under 70
No obligation · Certificate in minutes · Licensed TX #2608479TX
How Much Does Visitor Insurance Cost?
Estimates for $100,000 coverage with a $250 deductible. Actual quotes vary by plan, exact age, and dates.
| Age Group | 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 |
* Get an exact quote at towerhilltravelinsurance.com/quote
What Visitor Insurance Covers
Frequently Asked Questions
Does Nepal's health insurance cover medical care in the USA for Kathmandu residents?+
What visitor insurance do you recommend for people traveling from Kathmandu to the USA?+
Do residents of Kathmandu need a visa to visit the USA?+
Can I buy visitor insurance after arriving in the USA from Kathmandu?+
How do I use visitor insurance if I need care in the USA?+
Full country guide
🇳🇵 Visitor Insurance for Nepalis visiting the USA
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