Visitor Insurance for Lima Residents Visiting the USA (2026)
Peru's EsSalud and private health plans stop at the border. A medical emergency in the USA can cost a Peruvian family their savings.
Lima is Peru's capital and the primary gateway for Peruvian nationals visiting the USA. Direct flights reach Miami, New York, and Los Angeles — the main cities for Peru's diaspora community.
Peru's EsSalud and Private Health Plans Provide No USA Coverage
Peru's SIS (Seguro Integral de Salud) and EsSalud (Seguro Social de Salud) cover treatment at contracted Peruvian facilities only — neither scheme reimburses care received in the United States. Peru and the US have no bilateral healthcare agreement. A US ER visit averages $3,100; one hospital night costs $11,700. Peruvian nationals visiting family in Florida, Virginia, and California carry full financial exposure: a cardiac event or accident can generate US bills exceeding PEN 11,500 per night with no SIS or EsSalud reimbursement.
Peru has no healthcare agreement with the USA. EsSalud is completely invalid 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 Lima 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 Peru's health insurance cover medical care in the USA for Lima residents?+
What visitor insurance do you recommend for people traveling from Lima to the USA?+
Do residents of Lima need a visa to visit the USA?+
Can I buy visitor insurance after arriving in the USA from Lima?+
How do I use visitor insurance if I need care in the USA?+
Full country guide
🇵🇪 Visitor Insurance for Peruvians visiting the USA
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