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Visitor Insurance for Hong Kong

Visitor Insurance for Hong Kong Residents Visiting the USA

Hong Kong's public healthcare system doesn't extend beyond its borders. Medical costs in the USA are among the highest in the world.

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The Coverage Gap

Hong Kong's HA System Has Zero Coverage in the USA

Hong Kong's Hospital Authority (HA) heavily subsidises public hospital care within Hong Kong only — it reimburses nothing for treatment outside the territory. Hong Kong and the United States have no bilateral healthcare agreement. A US emergency visit averages $3,100; one hospital night averages $11,700. Hong Kong residents visiting family in New York, Los Angeles, or San Francisco carry full out-of-pocket responsibility: one cardiac hospitalisation can exceed HK$250,000 in US charges with zero HA offset.

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A single US emergency room visit averages $3,000 before any treatment begins — with no limit on how high the bill can climb.

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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 Hong Kong's Hospital Authority (HA) public healthcare system cover medical care in the USA?

No. Hong Kong's Hospital Authority (HA) public healthcare system covers healthcare within Hong Kong only — it provides zero coverage for medical treatment in the United States. The US has no bilateral healthcare agreement with Hong Kong, meaning every hospital visit, ER charge, or specialist fee is entirely your personal financial responsibility without dedicated visitor insurance. A single us hospital night can exceed hkd 90,000.

Can I buy visitor insurance for my Hong kong residents visiting the USA?

Yes — you can purchase a visitor insurance plan on behalf of parents, grandparents, or other family members visiting from Hong Kong. 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 hong kong residents visitors.

What is the best visitor insurance for Hong Kong residents visiting the USA?

For hong kong residents, 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 Hong Kong residents need a visa to visit the USA?

Hong Kong residents 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 Hong Kong's HA public healthcare provides no US coverage.

How much does visitor insurance cost for Hong Kong residents visiting the USA?

Plans typically start around $1.10–$2.00 per day (USD). A healthy Hong Kong 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 single US hospital night can exceed HKD 90,000. Get an exact personalized quote instantly with no personal information required.

Does visitor insurance cover pre-existing conditions for Hong Kong residents 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 hong kong residents and those with chronic health conditions.

How quickly can I get coverage for Hong Kong residents 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 Hong Kong 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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