🇲🇩Moldova · Visitors InsuranceUpdated May 2026

Visitors Insurance for Moldovans Visiting the USA (2026)

Moldova's CNAM covers residents at home — but provides zero coverage in the United States. Moldova's CNAM stops at its border — a US ER visit averages $3,200 and a hospital stay $11,700 per night.

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

Moldova's CNAM Has No US Coverage

Moldova's CNAM (Compulsory Medical Insurance Company / Compania Națională de Asigurări în Medicină) covers enrolled residents at contracted Moldovan facilities only — it provides no coverage in the United States. Moldova and the US have no bilateral healthcare agreement. A US ER visit averages $3,100; one hospital night costs $11,700. Moldovan nationals visiting family in New York and other states carry full out-of-pocket risk: a single hospitalisation in the US can exceed $45,000 with no CNAM reimbursement.

⚠️

Moldova's CNAM stops at its border — a US ER visit averages $3,200 and a hospital stay $11,700 per night.

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 Moldovans

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

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: $50K
✓ 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: $20K
✓ 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 →

No obligation · Certificate in minutes · Licensed TX #2608479TX

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 Moldova?

🧳

Tourists & Sightseers

Moldovans 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

Moldova'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

Does Moldova's National Health Insurance Company (NHIC) cover medical care in the USA?+

No. Moldova's national health insurance company (nhic) is strictly limited to its home country and provides zero coverage for any medical treatment in the United States. Without dedicated visitor insurance, you would be personally responsible for the full cost of US healthcare — an emergency room visit alone can range from $2,000 to $15,000, while hospitalization and surgery can easily exceed $50,000.

What visitor insurance is recommended for Moldovan visitors to the USA?+

For Moldovan visitors to the USA, we recommend IMG Patriot America Plus, Trawick Safe Travels USA Comprehensive, and WorldTrips Atlas America. These plans provide essential coverage for emergency medical treatment, hospitalization, and doctor visits — protection that your domestic NHIC cannot offer once you enter the United States. All can be purchased online in minutes and coverage documents arrive instantly by email.

Do Moldovan citizens need a visa to visit the USA?+

Yes, Moldovan citizens are required to obtain a B-1/B-2 visitor visa before traveling to the United States. When applying at the US Embassy or Consulate, including proof of visitor insurance can strengthen your application by demonstrating financial preparedness — showing consular officers that you have plans to cover potential medical expenses, since Moldova's National Health Insurance Company (NHIC) provides no coverage in the USA.

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

Yes, you can purchase a plan after arrival, but it's strongly recommended to buy before you leave Moldova. 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.

🇲🇩

Ready to Get Covered for Your USA Trip?

Compare IMG, WorldTrips, and Trawick side-by-side. Get your free quote in under 2 minutes.

Get Your Free Quote →

Licensed Insurance Agency · Texas #2608479TX · A-Rated Carriers