Visitor Insurance for Manila Residents Visiting the USA (2026)
PhilHealth and private Filipino health plans do not cover medical emergencies in the United States. One hospital visit can cost more than a year's income.
Manila is the Philippines' capital and home to one of Asia's largest US-bound traveler populations. The Philippines has the second-largest Asian-American diaspora in the US, making visits to family in California, Nevada, and Texas extremely common.
PhilHealth Has No Coverage Outside the Philippines
PhilHealth (Philippine Health Insurance Corporation) funds domestic inpatient and outpatient care inside the Philippines — it provides no coverage once you leave the country. The Philippines and the United States have no bilateral healthcare agreement. A US emergency room visit averages $3,100; one night of hospitalisation costs $11,700 on average. With 4.2 million Filipino-Americans in California, Nevada, Hawaii, and Texas, parents visiting on B-2 visas are especially vulnerable — a single respiratory admission or hip fracture can generate bills exceeding ₱2 million, with no PhilHealth offset whatsoever.
The Philippines sends one of the largest populations of visitors to the USA. Filipino-Americans often sponsor parents and relatives who arrive without any US-valid health coverage.
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 Manila 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 Philippines's health insurance cover medical care in the USA for Manila residents?+
What visitor insurance do you recommend for people traveling from Manila to the USA?+
Do residents of Manila need a visa to visit the USA?+
Can I buy visitor insurance after arriving in the USA from Manila?+
How do I use visitor insurance if I need care in the USA?+
Full country guide
🇵🇭 Visitor Insurance for Filipinos visiting the USA
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