🇵🇭Philippines · Visitors InsuranceUpdated June 2026

Visitors Insurance for Filipinos 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.

✍️ Ty Taylor · TX #2608479TX·8 min read·A-Rated US Carriers

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.

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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 Visitors Insurance Plans for Filipinos

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: up to policy max (under 70)
✓ Emergency evacuation: $500K
✓ Available ages 14 days–99 yrs
✓ Multilingual 24/7 support

From ~$33/month (age 30–44)

Best for: First-time visitors, families, tourists

Highest Limits

WorldTrips Atlas America

Maximum coverage · Top evacuation benefit

✓ Up to $2,000,000 coverage
✓ $0–$5,000 deductible options
✓ Acute onset pre-existing: up to policy max (under 70)
✓ Emergency evacuation: $1,000,000
✓ Available ages 14 days–99 yrs
✓ Flexible coverage periods

From ~$30/month (age 30–44)

Best for: Seniors 65+, long stays, max protection

Best Value

Trawick Safe Travels USA

Budget-friendly comprehensive · Telehealth included

✓ Up to $1,000,000 coverage
✓ $0–$5,000 deductible options
✓ Acute onset pre-existing: up to policy max (under 70)
✓ Emergency evacuation: $500K
✓ Available ages 14 days–89 yrs
✓ Free telehealth included

From ~$28/month (age 30–44)

Best for: Budget-conscious, short stays, under 70

Compare All Plans — Get Your Free Quote →

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How Much Does Visitors Insurance Cost?

Price estimates below are for $100,000 coverage with a $250 deductible. Actual quotes vary by plan, exact age, state, 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

* Estimates based on $100K coverage, $250 deductible. Get an exact quote at towerhilltravelinsurance.com/quote.

Who Needs Visitors Insurance from Philippines?

Tourists & Sightseers

Filipinos visiting US attractions, national parks, or major cities on a B-2 tourist visa. Coverage for the full duration of your stay.

Visiting Family & Diaspora

Philippines's large diaspora in the US regularly brings parents, siblings, and relatives for extended visits. One plan covers the entire trip.

Business Visitors (B-1)

B-1 visa holders attending conferences, meetings, or business negotiations in the US. Full medical coverage while you work.

Students' Visiting Parents

Parents visiting children studying in the US on F-1 or OPT visas often need coverage for 30–90 day stays. Comprehensive plans available.

How to Buy Visitors Insurance in 4 Steps

Enter Your Trip Details

Travel dates, traveler ages, and country of citizenship. Takes 30 seconds.

Compare Plans Side-by-Side

See coverage limits, deductibles, and pricing for all three plans in one view.

Select & Pay Online

Choose your plan and pay securely with any major credit or debit card.

Get Your Certificate Instantly

PDF insurance certificate and ID card delivered to your email in minutes.

What Visitors Insurance Covers

Emergency room visits & hospitalization

Surgery & specialist consultations

Prescription drugs (related to covered condition)

Acute onset of pre-existing conditions

Emergency medical evacuation

Repatriation of remains

Urgent care & walk-in clinics

Ambulance transportation

Routine check-ups & preventive care

Pre-existing condition ongoing management

Dental cleaning / cosmetic procedures

Pregnancy & maternity (unless complications)

Frequently Asked Questions

Can I buy insurance for my parents or relatives visiting from the Philippines?+

Yes — you can purchase a plan online on behalf of family members visiting from the Philippines. This is one of the most common purchases we handle. Coverage begins as early as the day of travel, and policy documents are delivered by email immediately after purchase. Plans cover travelers up to age 99.

Does PhilHealth cover medical treatment in the USA?+

No. PhilHealth (Philippine Health Insurance Corporation) provides coverage only within the Philippines at accredited domestic facilities. It has zero coverage for any medical treatment received in the United States. The Philippines and USA have no bilateral healthcare agreement, leaving Filipino visitors fully responsible for all US medical costs without dedicated visitor insurance.

Are there plans that cover pre-existing conditions like hypertension or diabetes?+

Yes. Most of our plans include coverage for the acute onset of pre-existing conditions — meaning a sudden, unexpected medical emergency related to a known condition (like a hypertensive crisis or diabetic emergency) can be covered. Routine management or elective procedures are not included. This is especially critical for older Filipino parents visiting on B-2 visas who commonly have managed conditions.

How much does visitor insurance cost for Filipinos visiting the USA?+

Plans typically start around $1.10–$2.00 per day depending on age, coverage amount, and deductible. A 30-day plan for a healthy adult under 60 is usually $35–$80. Seniors over 70 and those with pre-existing conditions will see higher rates. Get an exact personalized quote instantly — no personal information required.

Which visitor insurance plan is best for Filipino parents visiting the USA?+

For most Filipino parents, IMG Patriot America Plus is our top recommendation — it includes acute onset pre-existing condition coverage, is A-rated, and widely accepted by US hospitals. Trawick Safe Travels USA Comprehensive offers strong value. For seniors with serious health history, WorldTrips Atlas America provides coverage up to $2,000,000.

Do Filipino visitors need a US visa?+

Yes — Filipino citizens must obtain a B-1/B-2 visitor visa from a US Embassy or Consulate before traveling. Proof of visitor insurance can strengthen your application by demonstrating financial responsibility, as consular officers want to see that you can handle unexpected medical expenses — your PhilHealth provides zero US coverage.

Can visitor insurance be extended if the trip is extended?+

Yes — most plans allow online extensions before the policy expires, as long as no claim has been filed and the traveler has not been hospitalized. Renew through the insurer's portal or by phone. We recommend extending at least 5–7 days before the current expiry date to avoid any coverage gap.

Can I buy visitors insurance after arriving in the USA from Philippines?+

Yes, you can purchase a plan after arrival, but it's strongly recommended to buy before you leave Philippines. Buying before departure eliminates illness waiting periods (typically 0–2 days) and ensures immediate accident coverage from day one. Some plans also won't cover conditions that appeared during any gap in coverage.

What if I need to extend my visitors insurance stay?+

Most plans allow extensions before your policy expires. You can typically extend online through the provider's portal. Extensions must be requested before the current policy ends — you cannot extend retroactively. Some plans allow extensions up to 364 days total.

How do I use my insurance if I need medical care in the USA?+

For emergencies, go to the nearest ER — call 911 if life-threatening. For non-emergencies, call your plan's 24/7 assistance line first; they can direct you to in-network providers. Always carry your insurance ID card (printed or on your phone). Most comprehensive plans reimburse claims within 15–30 business days after documentation is submitted.

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