Tower Hill Travel Insurance
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Visitor Insurance for Ghana

Visitor Insurance for Ghanaians Visiting the USA

Ghana's NHIS national health insurance has zero coverage outside Ghana. In the USA, you're personally responsible for every medical bill.

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The Coverage Gap

Ghana's NHIS Has No Coverage Outside Ghana

Ghana's NHIA (National Health Insurance Authority) covers enrolled members at accredited Ghanaian facilities only — it provides zero reimbursement for care in the United States. Ghana and the US have no bilateral healthcare agreement. A US ER visit averages $3,100; one hospital night costs $11,700. Ghanaian nationals visiting family in the Bronx, Washington D.C., and Houston carry full financial exposure: a single cardiac event or accident in the US can exceed GHS 47,000 per night with no NHIA reimbursement.

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Ghana has one of the strongest diaspora communities in the USA, with hundreds of thousands of Ghanaian-Americans. Family visits from Ghana without US coverage are extremely common.

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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 Ghana's NHIA (National Health Insurance Authority) cover medical care in the USA?
No. Ghana's NHIA (National Health Insurance Authority) covers healthcare within Ghana only — it provides zero coverage for medical treatment in the United States. The US has no bilateral healthcare agreement with Ghana, 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 ghs 175,000.
Can I buy visitor insurance for my Ghanaians visiting the USA?
Yes — you can purchase a visitor insurance plan on behalf of parents, grandparents, or other family members visiting from Ghana. 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 ghanaians visitors.
What is the best visitor insurance for Ghanaians visiting the USA?
For ghanaians, 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 Ghanaians need a visa to visit the USA?
Ghanaians require a B-1/B-2 visitor visa before traveling to the United States. When applying at the US Embassy or Consulate, including proof of visitor insurance can strengthen your application — it demonstrates financial preparedness and shows consular officers that potential US medical costs are covered, since Ghana's NHIA provides no US coverage.
How much does visitor insurance cost for Ghanaians visiting the USA?
Plans typically start around $1.10–$2.00 per day (USD). A healthy Ghana 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 GHS 175,000. Get an exact personalized quote instantly with no personal information required.
Does visitor insurance cover pre-existing conditions for Ghanaians 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 ghanaians and those with chronic health conditions.
How quickly can I get coverage for Ghanaians 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 Ghana 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.

Learn More

Visitor Insurance Guides

Visitor Guide

Visitors Insurance for Ghanaians in the USA

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

Read Guide
Parents Guide

Visitors Insurance for Ghanaians 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 Ghana

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

Read Guide

For Ghanaians Traveling to Other Countries

International Travel Insurance for Ghanaians

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

See Intl Guides

Visitor Insurance for Other Nationalities

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Browse all 194 countries →See all visitor insurance plans →
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