Tower Hill Travel Insurance
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Visitor Insurance for France

Visitor Insurance for French Nationals Visiting the USA

France's Sécurité Sociale covers you in France and the EU — but the United States is a completely different story. You're on your own without dedicated coverage.

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The Coverage Gap

France's Sécurité Sociale Has No Coverage in the USA

France's Sécurité Sociale provides excellent healthcare coverage within France and, through the European Health Insurance Card (EHIC), in EU/EEA countries. The United States is not part of this network. France and the USA have no reciprocal healthcare agreement. French nationals visiting the USA for tourism, business, or family visits are fully exposed to American medical billing — which can be 10–20 times higher than equivalent care in France.

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A routine appendectomy costs an average of $33,000 in the USA. In France, the same procedure would cost a patient next to nothing through Sécurité Sociale.

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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.

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 the EHIC or French Assurance Maladie cover me in the USA?
No. The EHIC (European Health Insurance Card) only works within the EU/EEA and Switzerland. France's Assurance Maladie has zero jurisdiction in the United States. The moment you land in the USA, you are fully exposed to American medical costs: an ER visit averages $3,100, a hospital night averages $11,700, and a routine appendectomy averages $33,000 — entirely out-of-pocket without visitor insurance.
What visitor insurance is best for French nationals visiting the USA?
For French visitors, we recommend IMG Patriot America Plus for comprehensive A-rated coverage and acute onset pre-existing condition protection. Trawick Safe Travels USA Comprehensive offers strong value. WorldTrips Atlas America is ideal for French visitors over 60 or those with managed health conditions, providing up to $2,000,000 in coverage specifically calibrated for US healthcare costs.
Do French citizens need a visa to visit the USA?
French citizens can visit the USA for up to 90 days under the Visa Waiver Program by obtaining an approved ESTA before departure. For stays exceeding 90 days, a B-1/B-2 visa is required. Visitor insurance is not legally required for ESTA, but is strongly recommended — Assurance Maladie provides zero US coverage.
How much does visitor insurance cost for French visitors?
Plans typically start around $1.10–$2.00 per day. A healthy French adult under 60 visiting for 30 days usually pays $35–$75. Rates increase with age and coverage level. To put this in perspective: a single US hospital night at $11,700 would cost more than an entire year's visitor insurance premium.
Does visitor insurance cover pre-existing conditions for French visitors?
Most plans include acute onset coverage — meaning if you have a managed condition like cardiac disease, diabetes, or respiratory issues and suffer a sudden unexpected emergency, that emergency treatment can be covered. Routine consultations, medication maintenance, or elective procedures for stable conditions are not included. This is important for French visitors over 60 who may have managed health conditions.
Can I buy visitor insurance for my French parents or relatives visiting the USA?
Yes — you can purchase a plan online on behalf of family members, even before they depart France. Simply enter their travel dates and age in the quote tool. Policy documents and insurance ID cards are emailed immediately after purchase. Plans are available for all ages up to 99.
Does visitor insurance cover emergency medical evacuation back to France?
Yes — most plans include emergency medical evacuation coverage, which pays for air ambulance transport or medical repatriation back to France if your condition requires treatment that cannot be adequately provided in the USA. This can cost $50,000–$200,000 without insurance — the coverage alone makes a visitor plan worth purchasing.
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 French Nationals in the USA

Coverage options, pre-existing conditions, costs, and plan comparisons for French Nationals.

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Parents Guide

Visitors Insurance for French 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 France

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

Read Guide

For French Nationals Traveling to Other Countries

International Travel Insurance for French Nationals

Planning a trip to Europe, Asia, or beyond? France's health coverage provides no protection abroad. Compare plans for French 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🇨🇳China🇯🇵Japan🇧🇷Brazil🇨🇴Colombia🇳🇬Nigeria
Browse all 194 countries →See all visitor insurance plans →
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