Visitor Insurance for China
Visitor Insurance for Chinese Nationals Visiting the USA
Chinese health insurance — including NRCMS and urban worker plans — has absolutely no coverage in the United States.
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The Coverage Gap
China's National Health System Does Not Cover the USA
China's public health insurance — including the Urban Employee Basic Medical Insurance (UEBMI), Urban and Rural Resident Basic Medical Insurance (URRBMI), and the New Rural Cooperative Medical Scheme (NRCMS) — provides coverage only within China's domestic healthcare system. Chinese nationals visiting the USA on tourist, business, student, or family visas are entirely unprotected unless they purchase dedicated visitor insurance.
A single night in a US hospital costs an average of $11,700 — more than the annual salary of most workers in China.
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.
A-Rated Carriers Only
Every plan we offer is from a financially strong, A-rated insurer — IMG, Trawick International, or WorldTrips.
Compare & Buy in 5 Minutes
No phone calls, no paperwork. Compare plans side-by-side and purchase online. Instant policy documents.
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
- 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
Trawick Safe Travels USA
- Comprehensive emergency coverage
- 24/7 multilingual assistance
- Hospital direct billing available
- Covers acute onset of pre-existing conditions
- Renewable up to 12 months
WorldTrips Atlas America
- Highest coverage limit available
- Ideal for seniors and longer stays
- Covers urgent care and telehealth
- A.M. Best A-rated carrier
- Flexible deductible options
Prices vary by age, coverage level, and trip dates. Get an exact quote for your trip.
Common Questions
Frequently Asked Questions
Can Chinese nationals buy visitor insurance before traveling to the USA?
Is visitor insurance required for a US visa from China?
Can I buy coverage for my parents visiting from China?
What is the minimum coverage I should get?
How do I file a claim if I need medical care?
Protect Your Trip to the USA
Join 60,000+ travelers who trust Tower Hill for US visitor insurance. Get your personalized quote in under 2 minutes — no commitment required.
Get My Free QuoteTexas License #2608479TX · A-rated carriers · 151 countries covered