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Visitor Insurance for Ethiopia

Visitor Insurance for Ethiopians Visiting the USA

Ethiopia's health coverage has zero reach in the United States. Don't let a medical emergency derail your American visit.

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The Coverage Gap

Ethiopia's Healthcare System Provides No US Coverage

Ethiopia's Community Based Health Insurance (CBHI) and limited Social Health Insurance provide domestic coverage at enrolled facilities only — with zero reimbursement for care in the United States. Ethiopia and the US have no bilateral healthcare agreement. A US ER visit averages $3,100; one hospital night costs $11,700. Ethiopian nationals visiting family in Washington D.C., Minnesota, and California carry full financial exposure: a single hospitalisation can exceed ETB 170,000 in out-of-pocket US charges with no CBHI reimbursement.

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Ethiopia has one of Africa's largest diaspora communities in the USA — millions of family visitors travel each year with no US coverage.

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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

Do Ethiopians need visitor insurance for the USA?

Yes, absolutely. Ethiopia's public health programs have no agreement or coverage with the US healthcare system. Without visitor insurance, an emergency room visit can cost between $2,000-$15,000, and hospitalization can easily exceed $50,000, leaving visitors fully responsible for these exorbitant costs.

What visitor insurance covers Ethiopian visitors?

For Ethiopians visiting the USA, we recommend IMG Patriot America Plus, Trawick Safe Travels USA Comprehensive, and WorldTrips Atlas America. These plans provide comprehensive coverage for emergency medical treatment, hospitalization, and doctor visits, which is crucial given that Ethiopia's health system has no reciprocal arrangement with the US. Many Ethiopians visit family in the USA and need this protection.

Can I get visitor insurance for my parents visiting from Addis Ababa?

Yes, you can easily purchase visitor insurance for your parents or other family members visiting from Addis Ababa. Coverage is available for visitors of all ages, ensuring they are protected against unexpected medical costs in the USA, where Ethiopia's health system offers no assistance. Simply compare plans and complete your purchase online in minutes.

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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