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Visitor Insurance for Czech Republic

Visitor Insurance for Czech Visitors to the USA

The Czech Republic's VZP and GHIC don't cover the USA. American hospital costs will surprise any Czech visitor used to covered care.

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The Coverage Gap

Czech Republic's VZP and GHIC Are Invalid in the USA

The Czech Republic's public health insurance funds (VZP, OZP, ZPMV) and the European Health Insurance Card (EHIC) provide coverage within the EU and EEA — but the United States is explicitly outside this network. The Czech Republic and the USA have no bilateral healthcare agreement. Czech nationals visiting the USA face the full uninsured rate at American hospitals. An ER visit starts at $2,400. A hospitalization averages $11,700 per night. Czech parents visiting family in the USA — particularly in cities with Czech-American heritage like Chicago and Cleveland — need dedicated visitor insurance before their trip.

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Czech Republic and the USA have no healthcare reciprocity. VZP and GHIC are both worthless at US hospitals.

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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 Czech Republic's VZP (Všeobecná zdravotní pojišťovna / General Health Insurance Company) cover medical care in the USA?

No. Czech Republic's VZP (Všeobecná zdravotní pojišťovna / General Health Insurance Company) covers healthcare within Czech Republic only — it provides zero coverage for medical treatment in the United States. The US has no bilateral healthcare agreement with Czech Republic, meaning every hospital visit, ER charge, or specialist fee is entirely your personal financial responsibility without dedicated visitor insurance. A us hospital night can exceed czk 270,000.

Can I buy visitor insurance for my Czech visitors visiting the USA?

Yes — you can purchase a visitor insurance plan on behalf of parents, grandparents, or other family members visiting from Czech Republic. Simply enter their details (age, travel dates) in the quote tool and complete the purchase. Policy documents and insurance ID cards arrive by email within minutes. Plans cover travelers up to age 99 and most include acute onset coverage for pre-existing conditions — critical for older czech visitors visitors.

What is the best visitor insurance for Czech visitors visiting the USA?

For czech visitors, we recommend three A-rated plans: IMG Patriot America Plus for comprehensive coverage and strong A+ rated carrier backing; Trawick Safe Travels USA Comprehensive for excellent value and broad emergency coverage; and WorldTrips Atlas America for high coverage limits (up to $2,000,000) and robust acute onset pre-existing condition protection. All three are purpose-built for the US healthcare system and available in minutes online.

Do Czech visitors need a visa to visit the USA?

Czech visitors can visit the USA for up to 90 days under the Visa Waiver Program — but you must obtain ESTA (Electronic System for Travel Authorization) approval before departure. Visitor insurance is not required for ESTA approval but is essential: without it, any US medical emergency is entirely out-of-pocket. Your VZP/health pojišťovna provides zero US coverage.

How much does visitor insurance cost for Czech visitors visiting the USA?

Plans typically start around $1.10–$2.00 per day (USD). A healthy Czech Republic adult under 60 visiting for 30 days usually pays $35–$80. Seniors over 70 will see higher rates. The cost is minimal compared to the financial risk — a US hospital night can exceed CZK 270,000. Get an exact personalized quote instantly with no personal information required.

Does visitor insurance cover pre-existing conditions for Czech visitors visiting the USA?

Most plans include acute onset coverage — meaning if you have a managed condition like hypertension, diabetes, heart disease, or COPD, and you experience a sudden unexpected emergency related to it, the plan can cover that emergency treatment. Routine follow-up care, medication refills, or elective procedures for stable conditions are not covered. This protection is especially important for older czech visitors and those with chronic health conditions.

How quickly can I get coverage for Czech visitors visiting the USA?

Coverage can be active within minutes. Complete the quote form online, select a plan, and your policy documents and insurance ID card are emailed instantly. For accidents, coverage begins on your selected start date — which can be the same day. For illness coverage, a short 24–72 hour waiting period typically applies after the start date. Purchase before your family member departs Czech Republic whenever possible to avoid any gap in protection.

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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