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Visitor Insurance for Bhutan

Visitor Insurance for Bhutanese Traveling to the USA

Bhutan's Bhutanese covers residents at home — but provides zero coverage in the United States. A US emergency room visit averages $3,100 — and you'll receive zero reimbursement from your home plan.

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The Coverage Gap

Bhutan's Free Healthcare Has No US Coverage

Bhutan's Ministry of Health provides free universal healthcare to Bhutanese citizens at domestic facilities — a generous domestic benefit that ends completely at Bhutan's borders. Bhutan and the United States have no bilateral healthcare agreement, and the free domestic entitlement covers nothing in the US. A US ER visit averages $3,100; one hospital night averages $11,700. Bhutanese nationals visiting family in the US — including a growing refugee community in states like Pennsylvania and Texas — face full out-of-pocket exposure with no government reimbursement.

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Bhutan's free universal healthcare is country-only — any US medical treatment generates a full out-of-pocket bill without visitor insurance.

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$3,000+

ER Visit

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$11,700/night

Hospital Stay

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$1,500

Ambulance Ride

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$50,000+

Major Surgery

Why Tower Hill

Trusted by 60,000+ International Travelers

We partner with the top A-rated carriers so you get the best coverage, not the highest commission.

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A-Rated Carriers Only

Every plan we offer is from a financially strong, A-rated insurer — IMG, Trawick International, or WorldTrips.

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Compare & Buy in 5 Minutes

No phone calls, no paperwork. Compare plans side-by-side and purchase online. Instant policy documents.

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Coverage in 151 Countries

Whether you're visiting the USA or traveling worldwide, we have a plan designed for your journey.

Our Plans

Compare Top Visitor Insurance Plans

All plans designed specifically for visitors to the USA — covering emergency medical, hospitalization, evacuation, and more.

IMG Patriot America Plus

From $1.10/day

Coverage up to Up to $1,000,000

A-rated by A.M. Best
Covers acute onset of pre-existing conditions
Emergency medical evacuation included
COVID-19 treatment covered
Deductible from $0–$2,500

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Best Value

Trawick Safe Travels USA

From $1.25/day

Coverage up to Up to $1,000,000

Comprehensive emergency coverage
24/7 multilingual assistance
Hospital direct billing available
Covers acute onset of pre-existing conditions
Renewable up to 12 months

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Premium Option

WorldTrips Atlas America

From $1.50/day

Coverage up to Up to $2,000,000

Highest coverage limit available
Ideal for seniors and longer stays
Covers urgent care and telehealth
A.M. Best A-rated carrier
Flexible deductible options

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Prices vary by age, coverage level, and trip dates. Get an exact quote for your trip.

Common Questions

Frequently Asked Questions

Does Bhutan's public healthcare system (STCBL/MOH) cover medical care in the USA?

No. Bhutan's public healthcare system (stcbl/moh) 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 Bhutanese visitors to the USA?

For Bhutanese 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 STCBL cannot offer once you enter the United States. All can be purchased online in minutes and coverage documents arrive instantly by email.

Do Bhutanese citizens need a visa to visit the USA?

Yes, Bhutanese 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 Bhutan's public healthcare system (STCBL/MOH) provides no coverage in the USA.

What is the minimum coverage I should get?

For visits to the USA, we recommend a minimum of $100,000 in medical coverage. US healthcare costs are among the highest in the world, and even a short hospitalization can exceed $50,000.

How do I file a claim if I need medical care?

Call the 24/7 assistance number on your insurance ID card before seeking treatment when possible. For emergencies, go directly to care — your insurer can sort out billing afterward. All major insurers we work with have direct billing relationships with US hospitals.

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