Tower Hill Travel Insurance
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Visitor Insurance for Jamaica

Visitor Insurance for Jamaicans Visiting the USA

Jamaica's National Health Fund and private health plans have no coverage in the United States. A single ER visit can cost more than $10,000.

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The Coverage Gap

Jamaica's NHF and Private Plans Are Invalid in the USA

Jamaica's National Health Fund (NHF) and private health insurers like Sagicor Life Jamaica, Guardian Life, and Medecins provide coverage within Jamaica's healthcare network only. Jamaicans visiting the USA — one of the largest Caribbean visitor groups to the United States — arrive without any valid US health coverage. Jamaica and the USA have no bilateral healthcare agreement.

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Jamaica sends more visitors to the USA per capita than almost any Caribbean nation. Most arrive without health coverage valid in the United States.

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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

Can I buy visitor insurance for Jamaican family members visiting the USA?
Yes. You can purchase online on their behalf. Plans are available for all ages. If your family members have pre-existing conditions, look for plans with acute onset coverage — they're available through our quote tool.
Does travel insurance from Jamaica cover the USA?
Some Jamaican travel insurance products include US medical coverage, but limits can be low. Given the cost of US healthcare, we recommend comparing plans specifically designed for US medical costs.
What is the minimum coverage I should buy?
At minimum, $100,000 in medical coverage. For travelers over 60, we recommend $150,000 or more, with a deductible of $250 or less and pre-existing condition coverage.
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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Protect Your Trip to the USA

Join 60,000+ travelers who trust Tower Hill for US visitor insurance. Get your personalized quote in under 2 minutes — no commitment required.

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Texas License #2608479TX · A-rated carriers · 151 countries covered