Tower Hill Travel Insurance
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Visitor Insurance for China

Visitor Insurance for Chinese Nationals Visiting the USA

China's UEBMI covers residents at home — but provides zero coverage in the United States. A single night in a US hospital costs an average of $11,700 — more than the annual salary of most workers in China.

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The Coverage Gap

China's National Health System Does Not Cover the USA

China's Urban Employee Basic Medical Insurance (UEBMI) and Urban-Rural Resident Basic Medical Insurance (URRBMI) fund domestic care only — they carry zero reimbursement authority outside China. The US and China have no bilateral healthcare treaty, leaving every US medical expense entirely out-of-pocket. An average US emergency room visit costs $3,100; a short hospitalisation runs $11,700–$28,000 per night. With over 5.4 million Chinese-Americans spread across Los Angeles, San Francisco, and New York, parent and student visitors are highly exposed — a stroke admission can exceed ¥1.5 million in US charges.

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A single night in a US hospital costs an average of $11,700 — more than the annual salary of most workers in China.

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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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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.

Most Popular

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 China's UEBMI or URRBMI cover medical care in the USA?
No. China's Urban Employee Basic Medical Insurance (UEBMI) and Urban-Rural Resident Basic Medical Insurance (URRBMI) are strictly domestic — they provide zero coverage in the United States. The US and China have no bilateral healthcare agreement, so every US medical bill falls entirely on you. An ER visit alone can cost $2,000–$15,000; hospitalization routinely exceeds $50,000.
What visitor insurance is recommended for Chinese visitors to the USA?
For Chinese visitors, we recommend IMG Patriot America Plus (most popular), Trawick Safe Travels USA Comprehensive, and WorldTrips Atlas America. All three cover US emergency medical care, hospitalization, and doctor visits — everything UEBMI/URRBMI cannot provide. Plans can be purchased online in minutes with instant policy delivery by email.
Do Chinese citizens need a visa to visit the USA?
Yes, Chinese 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 — it demonstrates financial preparedness and shows consular officers you have coverage for potential medical expenses, since neither UEBMI nor URRBMI is valid in the USA.
How much does visitor insurance cost for Chinese visitors?
Plans typically start around $1.10–$2.50 per day depending on age, coverage level, and trip duration. A healthy adult under 60 visiting for 30 days usually pays $35–$90. Seniors over 70 or travelers requesting pre-existing condition coverage will see higher rates. Use our quote tool for an exact price — no personal information required.
Can I buy visitor insurance for my parents visiting from China?
Yes — this is one of the most common purchases we handle. You can buy a plan online on behalf of your parents, even before they travel. Plans cover travelers up to age 99, and most include coverage for the acute onset of pre-existing conditions like hypertension and diabetes — critical for older Chinese visitors.
Does visitor insurance cover pre-existing conditions for Chinese visitors?
Most plans include 'acute onset' coverage — meaning a sudden, unexpected emergency related to a known condition (like a heart attack in someone with diagnosed heart disease) can be covered. Routine or elective treatment of stable chronic conditions is not covered. IMG Patriot America Plus and WorldTrips Atlas America both include this important protection.
What should I do if I need emergency medical care in the USA?
For a life-threatening emergency, call 911 or go to the nearest ER immediately. Then notify your insurer's 24/7 assistance line as soon as possible — they can coordinate with the hospital on billing and help you find in-network providers. Your insurance ID card (emailed at purchase) contains all the assistance numbers you need.
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.

Learn More

Visitor Insurance Guides

Visitor Guide

Visitors Insurance for Chinese nationals in the USA

Coverage options, pre-existing conditions, costs, and plan comparisons for Chinese nationals.

Read Guide
Parents Guide

Visitors Insurance for Chinese nationals Parents in the USA

In-depth guide: pre-existing conditions, real costs, and which plan fits your parents' health situation.

Read Guide
Coverage

Travel Insurance with Pre-Existing Conditions

What "acute onset" coverage means and which plans protect travelers with health conditions.

Read Guide
Americans Abroad

Travel Insurance for Americans Visiting China

Your US health insurance won't cover you in China. Compare international plans for Americans.

Read Guide

For Chinese nationals Traveling to Other Countries

International Travel Insurance for Chinese nationals

Planning a trip to Europe, Asia, or beyond? China's health coverage provides no protection abroad. Compare plans for Chinese nationals traveling internationally.

See Intl Guides

Visitor Insurance for Other Nationalities

🇦🇷Argentina🇦🇺Australia🇨🇦Canada🇩🇪Germany🇭🇰Hong Kong🇮🇱Israel🇮🇹Italy🇰🇷South Korea🇲🇽Mexico🇸🇬Singapore🇨🇭Switzerland🇦🇪UAE🇬🇧United Kingdom🇮🇳India🇵🇭Philippines🇯🇵Japan🇧🇷Brazil🇫🇷France🇨🇴Colombia🇳🇬Nigeria
Browse all 194 countries →See all visitor insurance plans →
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