🇵🇰Pakistan · Visitors InsuranceUpdated June 2026

Visitors Insurance for Pakistanis Visiting the USA (2026)

Pakistan's public and private health coverage has zero validity in the United States. You're fully exposed to US medical costs without visitor insurance.

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

Pakistani Health Coverage Does Not Extend to the USA

Pakistan's Sehat Sahulat Programme (Sehat Card) provides inpatient coverage at enrolled Pakistani hospitals only — it has no reimbursement authority in the United States. Pakistan and the US have no bilateral healthcare agreement. A US ER visit averages $3,100; hospitalisation averages $11,700 per night. With 554,000+ Pakistani-Americans in New York, Texas, and California, parents visiting on a B-2 visa are especially vulnerable — one cardiac admission or diabetic emergency in the US can exceed ₨8.6 million with zero Sehat Card offset.

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The Pakistani-American community is one of the largest South Asian diaspora groups in the USA, and family visits without insurance coverage are a leading cause of unexpected financial hardship.

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 Pakistanis

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 Pakistan?

Tourists & Sightseers

Pakistanis 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

Pakistan'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 visitor insurance for my Pakistani parents visiting the USA?+

Yes — this is extremely common in the Pakistani-American community. You can purchase a plan on behalf of parents or family members before or after they arrive. Plans cover all ages up to 99 and most include acute onset coverage for conditions like diabetes, hypertension, and cardiac disease — essential for older Pakistani visitors who commonly have these managed conditions.

Does Pakistan's Sehat Card or private insurance cover treatment in the USA?+

No. Pakistan's Sehat Sahulat Programme (Sehat Card) covers inpatient care only at enrolled Pakistani hospitals. Private Pakistani HMOs similarly have zero US coverage. Pakistan and the USA have no bilateral healthcare agreement. Without dedicated visitor insurance, all US medical costs are entirely out-of-pocket — an ER visit alone can cost PKR 700,000+, and hospitalization can exceed PKR 10 million.

What does visitor insurance for Pakistanis in the USA cover?+

Plans cover emergency medical treatment, hospitalization, surgery, prescription drugs, and emergency medical evacuation. Most include acute onset coverage for sudden flare-ups of known pre-existing conditions. Some plans also include trip interruption coverage. Coverage starts as low as $50,000 and goes up to $2,000,000 — we recommend at least $100,000 for US visits.

Is visitor insurance required for a B-2 visa application from Pakistan?+

It is not a formal requirement, but it is strongly recommended by US consulates. Including proof of visitor insurance with your B-2 visa application demonstrates financial responsibility and can strengthen your application. US medical bills can exceed PKR 10 million for a single hospitalization — presenting evidence that you're covered for this risk reduces consular concerns.

Which visitor insurance plan is best for Pakistani visitors?+

For most Pakistani visitors, IMG Patriot America Plus is the top choice — A-rated, comprehensive, and includes acute onset pre-existing condition coverage. Trawick Safe Travels USA Comprehensive offers strong value for healthy adults. For Pakistani seniors or those with heart disease or kidney conditions, WorldTrips Atlas America provides up to $2,000,000 in coverage.

How much does visitor insurance cost for Pakistani visitors?+

Plans typically start around $1.10–$2.00 per day. A healthy Pakistani adult under 60 visiting for 30 days usually pays $35–$80. Seniors over 70 will see higher rates. For context, a single night in a US hospital costs more than most monthly visitor insurance premiums — the coverage pays for itself with a single doctor visit.

Can I extend the insurance if my parents stay longer than planned?+

Yes — most plans can be renewed online before expiry as long as no claim has been filed and the insured has not been hospitalized. Simply extend through the insurer's online portal or call customer service. We recommend extending at least 5–7 days before the current policy expires to avoid any coverage gap.

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

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